Rep. Stephanie Young

Maddy summaryThis bill requires insurance companies in Michigan to provide clear written notices to customers when making significant changes to their automobile or homeowners policies, such as cancellations, non-renewals, or premium increases of more than 10%. If a policyholder requests details, the insurer must explain the specific principal factors behind the decision rather than using vague terms like "poor loss history" or simply citing internal models. The law also mandates that these notices and explanations be sent directly to the insured and, when applicable, to independent insurance agents who represent the customer. These transparency requirements will apply to policies issued, amended, or renewed on or after January 1, 2026, and do not replace existing rules regarding policy cancellations.

Maddy summaryThis bill amends Michigan's Safe Drinking Water Act to establish a new permitting and licensing system for companies that produce bottled drinking water using large quantities of state water. It requires facilities withdrawing more than 200,000 gallons per day or transferring over 100,000 gallons daily to submit detailed applications assessing environmental and hydrological impacts, which must include public notice, community consultation, and a $5,000 fee through 2025. Starting in 2026, the bill mandates that all such bottling operations obtain a specific state license that includes a $6,000 fee, ensuring compliance with water quality standards and addressing potential effects on local water sources. The legislation also empowers the Department of Agriculture to withhold approval if out-of-state water sources lack adequate oversight or if proposed withdrawals threaten local water systems.

Maddy summaryThis bill amends Michigan's mental health code to establish a legal framework for supportive decision-making agreements, allowing individuals with developmental disabilities to enter into contracts where trusted friends, family, or professionals assist them in understanding choices without removing their legal authority. The legislation requires courts to prioritize these less restrictive alternatives over traditional guardianship whenever possible, ensuring that any restrictions on a person's personal liberty or financial management are the minimum necessary for their protection. By defining supportive decision-making as a collaborative process that respects an individual's right to make their own decisions, the bill aims to promote maximum self-reliance and independence while still providing safeguards against neglect, exploitation, and abuse.

Maddy summaryThis bill creates a temporary commission to develop age-appropriate instruction on African-American history for Michigan K-12 schools. The commission will be appointed by the governor and include representatives from major universities, the NAACP, and historical museums. Within one year of its first meeting, the commission must submit recommendations to the state board of education on how to integrate this history into the core curriculum. Following the submission of these recommendations, the state board is required to update academic standards within two school years, and school districts must begin providing this instruction starting in the 2025-2026 school year. Additionally, the bill mandates that state social studies assessments include questions related to the new learning objectives beginning in the 2025-2026 school year.

Maddy summaryThis bill amends Michigan's Youth Tobacco Act to strictly prohibit the advertising, display, marketing, and sale of nicotine and tobacco products with characterizing flavors, such as fruity or menthol tastes. It defines characterizing flavors broadly to include any distinguishable taste or aroma other than tobacco, as well as cooling or numbing sensations, and establishes a legal presumption that a product has such a flavor if the manufacturer or seller implies it through text, images, or consumer-facing actions. Businesses that violate these restrictions face escalating civil fines and potential license suspensions or revocations for repeat offenses within a 36-month period. The legislation also creates a new state fund to finance the administration and enforcement of these rules, including compliance checks and staff training.

Maddy summaryThis bill amends the Age of Majority Act to clarify that it does not apply to the Youth Nicotine and Tobacco Act, ensuring that the legal age for purchasing tobacco products remains 21 despite the general age of adulthood being 18. By explicitly excluding tobacco regulations from the age of majority provisions, the legislation maintains the existing restriction that individuals under 21 cannot buy tobacco. The change affects the state's legal framework by preventing any conflict between the general definition of an adult and the specific rules governing tobacco sales.

Maddy summaryThis bill updates the Michigan Campaign Finance Act by clarifying definitions for political terms and expanding reporting requirements for specific nonprofit groups. It formally defines "501(c)(4) organizations" and "527 organizations" as entities that are controlled, directed, or staffed by candidates, elected officials, their appointees, or their family members. Additionally, the legislation provides new definitions for concepts like "election cycle," "honorarium," and "fund raising event" to ensure consistent application of campaign finance rules. These changes directly affect political candidates, public officials, and the nonprofit organizations that interact with them by establishing clearer boundaries for what must be disclosed to the public.

Maddy summaryHB 6232 amends Michigan's tax administration laws to allow the Department of Treasury to share specific information found on state income tax returns with the Department of Insurance and Financial Services. This change enables the insurance department to access data relevant to insurance matters, such as details about life insurance policies or annuities held by taxpayers. The bill does not create new taxes or change tax rates but rather clarifies the conditions under which tax records can be disclosed to other state agencies for regulatory purposes.

Maddy summaryThis bill requires health insurance companies in Michigan to cover hearing-related services and devices for individuals under 19 who have been evaluated by an audiologist for hearing loss. The coverage includes audiologist exams, hearing aid fittings, maintenance, repairs, remote microphones, and speech therapy, though insurers may still apply standard cost-sharing rules like deductibles and co-pays. The law specifically excludes plans tied to health savings accounts to ensure compliance with federal tax regulations and will only take effect on January 1, 2026, if a related bill is also passed.

Maddy summaryThis bill updates Michigan's recreational trespassing law to clarify when property owners can legally restrict access for activities like hiking, hunting, and trapping. It establishes that entry is prohibited on fenced, enclosed, or posted properties, while maintaining that farm properties and connected wooded areas are always restricted regardless of signage. The legislation also preserves specific exceptions, such as allowing fishermen to cross banks to avoid hazards and permitting individuals to enter to retrieve a lost hunting dog. By defining these rules and the requirements for posting signs, the bill aims to provide clearer guidance on the responsibilities of property owners and the rights of recreational users.