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Michigan

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State law changes and varies by facts. Only source-checked inventories appear below. “Research pending” is not legal guidance and never means DJC may market, enroll, contract, bill, or provide a regulated service in this jurisdiction.

State statute inventory

Consumer-protection authorities under review

37 section entries

Legal review pending

Michigan Consumer Protection Act

Mich. Comp. Laws §§ 445.901–445.922

The complete Act 331 inventory was checked against the 2025 Michigan Compiled Laws publication. The Michigan Legislature should be used to confirm current official text; individual links provide convenient section reading. Summaries are educational and require review for any particular claim.

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Mich. Comp. Laws § 445.901

Short title

Names the statute the Michigan Consumer Protection Act.

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Mich. Comp. Laws § 445.902

Definitions

Defines key terms used throughout the Act.

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Mich. Comp. Laws § 445.903

Unfair, unconscionable, or deceptive practices

Lists prohibited methods, acts, and practices and addresses rulemaking and applicability.

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Mich. Comp. Laws § 445.903a

Home-appliance service contracts

Specifies required contents for covered home-appliance service contracts.

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Mich. Comp. Laws § 445.903b

Seller notice filing

Makes failure to file required seller information unlawful and addresses notice updates.

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Mich. Comp. Laws § 445.903c

Telephone-directory advertising

Prohibits specified misrepresentations of a business name or location and provides penalties and exceptions.

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Mich. Comp. Laws § 445.903d

Telephone-directory listing representations

Provides related restrictions and enforcement rules for deceptive directory advertising or listings.

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Mich. Comp. Laws § 445.903e

Gift certificates — Prohibited conduct

Regulates issuance of gift certificates and defines relevant terms.

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Mich. Comp. Laws § 445.903f

Gift-certificate service fees

Prohibits specified service fees for possessing or using a gift certificate.

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Mich. Comp. Laws § 445.903g

Gift-certificate expiration

Limits expiration of covered gift certificates.

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Mich. Comp. Laws § 445.903h

Vehicle-rental license cost recovery fee

Regulates disclosure and calculation of specified vehicle-rental recovery fees.

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Mich. Comp. Laws § 445.903i

Clothing donation boxes

Regulates ownership and operation of clothing donation boxes.

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Mich. Comp. Laws § 445.903k

Veterans’ benefit services

Limits compensation and advertising involving specified veterans’ pension or medical-benefit services.

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Mich. Comp. Laws § 445.903l

Third-party delivery services

Restricts unauthorized use of a restaurant’s likeness, trademark, or other property by delivery services.

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Mich. Comp. Laws § 445.903m

Online state services by unaffiliated third parties

Requires disclosures and practices for third parties offering access to online state services.

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Mich. Comp. Laws § 445.903n

Definitions for online marketplaces

Defines terms used in the following online-marketplace regulation section.

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Mich. Comp. Laws § 445.903o

Online marketplaces and third-party sellers

Requires seller verification, consumer information, suspension procedures, and enforcement for covered marketplaces.

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Mich. Comp. Laws § 445.904

Exemptions — Burden of proof

Identifies exemptions and assigns the burden of proving them.

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Mich. Comp. Laws § 445.905

Injunctions, penalties, and notice

Provides public injunctive relief, venue, notice, costs, and penalties for specified violations.

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Mich. Comp. Laws § 445.906

Assurance of discontinuance

Allows written assurances that challenged conduct will stop.

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Mich. Comp. Laws § 445.907

Subpoena — Notice — Confidentiality — Penalty

Provides investigative subpoena, notice, confidentiality, and penalty rules.

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Mich. Comp. Laws § 445.908

Compliance and civil penalties

Addresses investigative compliance, civil penalties, court enforcement, and injunctions.

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Mich. Comp. Laws § 445.909

Publication and public inspection

Requires access to specified rules, judgments, assurances, and related consumer materials.

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Mich. Comp. Laws § 445.909a

List of consumer complaints

Addresses compilation and disclosure of specified consumer-complaint information.

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Mich. Comp. Laws § 445.910

Attorney General class action

Authorizes specified class relief for actual damages and related asset-preservation measures.

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Mich. Comp. Laws § 445.911

Private actions and remedies

Addresses declaratory, injunctive, damages, and class relief, including statutory limits that require current review.

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Mich. Comp. Laws § 445.912

Notice to Attorney General — Evidentiary effect

Requires specified case documents to be sent to the Attorney General and addresses injunction violations as evidence.

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Mich. Comp. Laws § 445.913

Filing fees

Addresses filing fees for covered actions and voluntary assurances.

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Mich. Comp. Laws § 445.914

Investigation by law-enforcement officer

Authorizes investigation by designated law-enforcement officers.

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Mich. Comp. Laws § 445.915

Investigation and prosecution by county prosecutor

Addresses local prosecuting-attorney investigation and enforcement.

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Mich. Comp. Laws § 445.916

Other actions preserved — Local regulation

Preserves other causes of action and restricts inconsistent local ordinances or regulations.

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Mich. Comp. Laws § 445.917

Financial-institution investigations

Assigns specified investigation and reporting responsibilities involving financial institutions.

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Mich. Comp. Laws § 445.918

Public-utility investigations

Assigns specified investigation and reporting responsibilities involving public utilities.

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Mich. Comp. Laws § 445.919

Cemetery-related investigations

Addresses investigation of specified persons by the cemetery regulator.

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Mich. Comp. Laws § 445.920

Departmental investigations

Addresses investigation of specified regulated persons by the responsible department director.

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Mich. Comp. Laws § 445.921

Insurance investigations

Addresses investigation of specified persons by the insurance regulator.

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Mich. Comp. Laws § 445.922

Effective date

States the Act’s original effective date.

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Research map

Michigan consumer-credit categories

Research pending

Credit services and credit repair organizations

Licensing, registration, bonding, contracts, fees, cancellation, advertising, and prohibited practices.

What the legal reviewer checks

Covered-service definitions
License or registration requirements
Contract and disclosure language
Fee and cancellation restrictions
Advertising and prohibited practices

Research pending

Debt collection

State collection-agency licensing, prohibited conduct, validation-related rules, remedies, and regulator contacts.

What the legal reviewer checks

Collector and agency definitions
Licensing and exemptions
Communication and conduct restrictions
Civil remedies and enforcement
Complaint channels

Research pending

Consumer reporting and security freezes

State credit-reporting duties, freezes, protected-consumer freezes, identity-theft blocks, and remedies.

What the legal reviewer checks

Freeze placement and lifting
Fees and timing
Protected consumers
Identity-theft procedures
Enforcement and remedies

Authority identified

Identity theft, data breach, and privacy

Identity-theft crimes and recovery tools, breach notices, personal-information safeguards, and privacy rights.

Mich. Comp. Laws §§ 445.901–445.922

What the legal reviewer checks

Breach notice triggers and timing
Covered personal information
Security safeguards
Identity-theft reports and blocks
Attorney-general enforcement

Research pending

Garnishment and judgment protections

State exemptions, disposable-earnings limits, court procedures, bank-account protections, and employer duties.

What the legal reviewer checks

Wage and bank exemptions
Debt-specific limits
Claim-of-exemption procedure
Notice and hearing deadlines
Employer restrictions

Research pending

Repossession and deficiency balances

Notice, cure, repossession conduct, sale, accounting, redemption, and deficiency rules.

What the legal reviewer checks

Right-to-cure notices
Repossession restrictions
Sale notice and commercial reasonableness
Redemption
Deficiency accounting and defenses

Research pending

Small-dollar and consumer lending

Licensing, rates, fees, payment plans, disclosures, collection practices, and complaint resources.

What the legal reviewer checks

Covered loan definitions
License requirements
Rate and fee limits
Rollover or payment-plan rules
Enforcement

Research pending

Mortgage, housing, and auto finance

Servicing, foreclosure, homeowner, dealer-finance, motor-vehicle-sales, and related protections.

What the legal reviewer checks

Mortgage servicing and foreclosure
Homeowner notices and assistance
Dealer and sales-finance licensing
Auto disclosures
Complaints and remedies

Research pending

Medical and utility debt

Billing, collection, charity-care, utility termination, deposit, and payment-plan rules.

What the legal reviewer checks

Hospital and medical billing
Charity-care disclosures
Utility shutoff protections
Deposits and payment plans
Complaint agencies

Research pending

Military and veteran protections

State protections that may supplement federal servicemember and military-lending laws.

What the legal reviewer checks

State active-duty coverage
Interest or collection protections
Lease and contract rules
Court stays
Military legal-assistance contacts

Need information before review is complete?

Use the official state source, state attorney general, financial regulator, or legal-aid provider. Confirm current effective dates and amendments before relying on a section.

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