Maddy summarySB 549 amends Michigan's Insurance Code to strengthen data security requirements for insurers handling personal information. It requires insurers to notify Michigan residents if their unencrypted personal data (like Social Security numbers or financial account details) was accessed by unauthorized parties, or if encrypted data was accessed with the encryption key. The law also mandates that insurers notify data owners if a breach affects information they own but the insurer maintains. These notifications must be provided without unreasonable delay after determining the breach could cause substantial harm or identity theft. The bill directly affects Michigan residents whose data is held by insurers and the insurers themselves, who must now follow specific breach notification protocols.
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Maddy summarySB 545 requires Michigan auto and homeowners insurers to provide clear, written explanations to policyholders when making significant changes to their coverage or rates (like increases over 10%, cancellations, or reduced coverage). It mandates that notices explain the specific factors driving the change - such as driving history or property risks - instead of vague terms like "poor loss history" or "internal models." Policyholders can request written details, and insurers must share these notices with their insurance agents under certain conditions. The law applies to policies issued after January 1, 2026, and does not replace existing cancellation notice requirements.
Maddy summarySB 550 requires auto and home insurers in Michigan to provide policyholders with clear, written explanations of how their insurance rates are calculated. Specifically, insurers must send annual notices detailing rating classifications, how rates vary based on those factors, and how policyholders can verify their premiums (Sec. 2112). The bill also strengthens filing rules for insurers, mandating detailed rate manuals be submitted to the state insurance department for review (Sec. 2106, 2108), with a 90-day waiting period for auto insurance rate changes. Additionally, it prohibits "redlining" (denying coverage based on location) and requires insurers to certify filings comply with state rules. This directly affects insurers (who must file and disclose) and policyholders (who gain transparency into rate calculations).
Maddy summarySB 546 amends Michigan's Insurance Code to strengthen penalties for insurers delaying claim payments. It requires insurers to pay 12% annual interest on unpaid claims after 60 days, with tiered rates (1.5% for 30 days late, 2% for 31-90 days, 4% after 90 days) for claims not paid on time. The bill also mandates health plans pay "clean claims" (complete documentation) within 30 days, with interest if delayed, and clarifies timelines for proof of loss. This directly affects insurers, policyholders, third-party claimants, and health providers like hospitals or clinics processing medical claims.
Maddy summarySB 544 amends Michigan's Insurance Code (MCL 500.2026) to prohibit insurers from changing coverage terms or denying claims after a claim is filed. Specifically, it bans "re-underwriting" a policy or altering coverage based on a claim that has been submitted, which directly protects policyholders from unfair treatment after filing a claim. The key provision (added as subsection (o)) prevents insurers from using claim history to deny coverage or increase premiums retroactively. This policy change ensures insurers must complete underwriting before issuing a policy, not after a claim arises. The bill aims to prevent insurers from unfairly penalizing customers who file legitimate claims.
Maddy summaryThis Senate Resolution (SR 93) designates February 2026 as "School-Based Health Care Awareness Month" in Michigan. It formally recognizes the work of over 300 school-based health centers across the state that provide primary care, mental health services, and prevention programs to students in all school settings. The resolution acknowledges these centers' role in improving student attendance, academic performance, and health outcomes like immunization rates. It has no policy or funding impact - it is a symbolic gesture to honor the centers' contributions.
Maddy summaryThis is a procedural resolution, not a bill with policy changes. It formally recognizes February 2-6, 2026, as "School Counseling Week" in Michigan, aligning with the American School Counselor Association's (ASCA) national designation. The resolution highlights the role of school counselors in supporting student academic, social-emotional, and career development but does not create new laws, funding, or requirements. It serves solely to raise awareness about counselors' contributions to education.
Maddy summarySB 354 amends Michigan's 1971 Home Solicitation Sales Act by removing telephone solicitation regulations that were previously part of the law. It repeals sections MCL 445.111a through 445.111e (which governed telephone solicitations) and updates the title and key sections (MCL 445.111 and 445.113) to reflect this change. This bill directly affects businesses that make phone solicitations by eliminating specific regulatory requirements they previously had to follow. The key mechanism is the repeal of the telephone solicitation provisions, streamlining the law to focus only on home solicitation rules. The bill does not create new requirements but removes existing telephone solicitation rules from the statute.
Maddy summarySB 355 repeals a 1913 Michigan law (MCL 484.125) that regulated telephone companies as public utilities and set rules for their operations. The bill removes outdated requirements about telephone company consolidation, equipment use, and Public Service Commission oversight. This directly affects telephone companies and state regulators by eliminating historical regulatory provisions. The repeal is conditional on another bill (SB 351) being enacted, but does not create new rules or impact current services.
Maddy summarySB 353 amends Michigan's Consumer Protection Act to strengthen rules against deceptive telephone solicitations. It specifically requires businesses to clearly disclose environmental marketing claims (like "recycled" or "biodegradable") and to provide full written terms for prizes offered in exchange for attending sales presentations. The bill directly affects businesses making phone calls to consumers, mandating transparency to prevent misleading claims about product origins, environmental benefits, or prize conditions. These changes update existing law to address modern deceptive practices in phone-based sales.