Rep. Mike Harris

Maddy summaryHB 5451 requires food trucks (mobile food establishments) to undergo annual fire inspections and additional inspections after significant modifications to fire safety systems, such as kitchen equipment or fuel piping. It creates a public database tracking these inspections and mandates that operators notify fire inspectors within 30 days of license applications or modifications. The bill specifies that inspections must comply with the International Fire Code, with results valid for one year (limiting inspections to once annually unless safety concerns arise). This directly affects food truck operators, who must pay a $200 maximum fee for annual inspections but receive no charge for additional safety-related checks.

Maddy summaryHB 5385 amends Michigan's insurance code to modify rules for captive insurance companies - entities owned by businesses to insure their own risks. It restricts these companies from covering certain personal insurance types (like auto or homeowners) and requires them to insure only risks of their parent company, affiliated businesses, or specific groups (e.g., industrial insureds). Key provisions include mandating annual in-state board meetings, requiring $1 minimum per share of capital, and demanding detailed financial transparency for the commissioner’s review. The bill directly affects businesses seeking to establish captive insurers in Michigan, ensuring stricter operational and reporting standards.

Maddy summaryHB 5384 modifies Michigan's insurance code to allow more business entities to participate in sponsored captive insurance companies without requiring them to be shareholders or affiliates. The bill expands eligibility to include associations, corporations, LLCs, partnerships, and trusts that use these specialized insurers to cover their own risks or related businesses' risks. It removes the previous requirement that participants must own shares in the captive company or be affiliated with it. This change directly affects businesses seeking to self-insure through captive structures, making it easier to establish such arrangements under Michigan law. The bill does not alter the core rule that captives must primarily insure the participant's own risks or approved affiliates' risks.

Maddy summaryHB 5383 amends Michigan's Insurance Code (MCL 500.4705) to establish a new regulatory framework for "Special Purpose Financial Companies" (SPFCs), which are specialized insurance entities created to insure risks for a single counterparty (typically a parent company). The bill requires SPFCs seeking to operate in Michigan to obtain a limited certificate of authority by meeting specific criteria, including maintaining a Michigan principal office, holding annual management meetings in-state, designating a Michigan resident agent, and submitting detailed documentation about their insurance securitization transactions and financial plans. Key provisions mandate that SPFCs only cover risks of their designated counterparty, provide stress-case financial projections, and undergo review by both the Attorney General's office and the Insurance Commissioner. This bill directly affects companies forming SPFCs for risk management and their parent companies, creating a structured pathway for these entities to operate under Michigan law.

Maddy summaryHB 5382 modifies Michigan's insurance code to clarify regulations for Special Purpose Financial Captives (SPFCs), which are specialized insurance entities used by companies to self-insure risks. The bill specifies that certain operational changes - like issuing new securities for existing financing arrangements or replacing swap counterparties with similarly rated firms - do not require approval. It also mandates annual financial reporting (including audited statements and operations summaries), requires SPFCs to respond to commissioner inquiries within 30 days, and imposes civil penalties of $1,000-$5,000 per violation for non-compliance. These changes directly affect SPFCs operating under Michigan law, ensuring clearer reporting standards and oversight while maintaining existing commissioner authority.

Maddy summaryHB 5380 amends Michigan's insurance code to update rules for "sponsored captive insurance companies" (specialized insurers formed by businesses to cover their own risks). It specifies that only authorized insurers, certain holding companies, reinsurers, or director-approved captives may sponsor these companies, while banning risk retention groups from serving as sponsors or participants. The bill requires all business written by these captives to meet one of three security standards: fronting by a subsidiary insurer, reinsurance by a state-approved reinsurer, or securing policies with a U.S. trust fund backed by irrevocable letters of credit. These changes aim to strengthen oversight of captive insurers while clarifying eligibility for sponsors and security requirements.

Maddy summaryHB 5386 amends Michigan's insurance code to update reporting requirements and fees for captive insurance companies (entities that insure only their parent company). It requires annual financial reports verified by executive officers, allows flexible accounting standards with director approval, and mandates annual actuarial opinions on reserves. The bill establishes tiered annual renewal fees based on premium volume, ranging from $5,000 for under $5 million in premiums to $100,000 for over $75 million. These changes directly affect all captive insurance companies operating in Michigan, modifying their compliance obligations under state law.

Maddy summaryThis bill amends Michigan's penal code to update penalties and exemptions related to firearm possession, particularly within school zones. It modifies existing laws to clarify when individuals, such as licensed concealed carry permit holders and certain security personnel, are exempt from school zone restrictions. The legislation also adjusts penalties for altering firearm markings and expands exemptions for law enforcement, military personnel, and school security employees. Additionally, it provides specific exceptions for transporting unloaded firearms in vehicles under certain conditions, such as hunting trips or moving between residences.

Maddy summaryThis bill updates Michigan's sentencing guidelines for firearms-related crimes by modernizing references to existing laws. It directly affects individuals charged with firearm offenses and legal professionals who apply sentencing rules. The legislation amends specific sections of the state's criminal procedure code to ensure current legal citations are accurate and consistent. No new penalties or restrictions are introduced; the changes are purely administrative to align with prior legislative updates.

Maddy summaryThis bill updates Michigan's firearm licensing laws by modernizing references to other statutes and clarifying requirements for obtaining a license to purchase, carry, possess, or transport firearms. It directly affects individuals seeking firearm licenses, law enforcement agencies issuing those licenses, and the Department of State Police administering the program. The key provision requires licensing authorities to issue licenses to qualified applicants without unnecessary delay, while specifying that applicants must meet criteria such as being at least 18 or 21 years old, being a legal Michigan resident, and not being subject to certain protective orders or mental health restrictions. The bill also maintains existing rules prohibiting unlicensed firearm transactions and outlines procedures for licensing military personnel returning to Michigan.