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 bill amends Michigan's sentencing guidelines (MCL 777.16w) to address cases involving minors exploited in prostitution. It specifically modifies how individuals aged 16 or younger are treated when found in a house of prostitution, shifting the focus from criminalization to victim support. The key change directs courts to prioritize rehabilitation and services for these minors rather than imposing standard criminal penalties. This policy change directly affects minors under 16 who are victims of exploitation, ensuring their cases are handled through a victim-centered approach.
Maddy summarySB 520 amends Michigan's penal code to increase penalties for certain prostitution-related offenses. It raises the maximum penalty for basic violations (under sections 462b-462d) from 10 years to 20 years in prison and from $10,000 to $20,000 in fines. The bill specifically targets individuals who violate these sections, including those operating or facilitating commercial sex, and updates penalties for more severe outcomes like bodily injury or serious harm. These changes apply to anyone convicted under the amended sections of the law. The bill does not alter the scope of prohibited conduct, only the severity of potential punishments.
Maddy summaryThis Senate Resolution (SR 89) is a ceremonial recognition of January 25-31, 2026, as Catholic Schools Week in Michigan. It does not create new laws or policies but formally acknowledges the role of Catholic schools in the state. The resolution highlights that Catholic schools serve over 50,000 students across 207 schools, comply with public school safety standards, and contribute to community values and academic excellence. As a symbolic gesture, it has no binding effect on funding, regulations, or school operations.
Maddy summarySenate Bill 136 primarily eliminates the requirement for healthcare providers to notify patients about dense breast tissue after mammography. This change directly impacts patients undergoing mammograms and the medical facilities that perform these screenings in Michigan. The bill also enacts broader amendments concerning the use of radiation machines for mammography procedures. These modifications are made by amending and repealing specific sections within the existing Public Health Code.
Maddy summarySB 98 requires child care centers in Michigan to install temporary door locking devices or systems that comply with the Stille-DeRossett-Hale construction code (MCL 125.1504i). This applies directly to licensed child care facilities, mandating that any temporary locks (like those used during emergencies) meet specific safety standards already defined in state building regulations. The bill does not create new security requirements but aligns child care center door safety with existing construction code provisions. It became law after approval by the governor on December 23, 2025, and is now part of Michigan’s child care licensing statute (MCL 722.111 et seq.).