HB4115

Occupations: pawnbrokers; civil sanctions for violation of allowable rate of interest charged by pawnbrokers; prescribe. Amends title & sec. 18 of 1917 PA 273 (MCL 446.218). TIE BAR WITH: HB 4116'25

Chamber Passed·3/20/25

Michigan HB4115 amends pawnbroker regulations to impose civil fines for exceeding allowable interest rates.

Michigan HB4115 amends the state's pawnbroker regulations by prescribing civil sanctions for violations of the allowable interest rate charged by pawnbrokers. Specifically, it imposes a civil fine of up to $5,000 for charging interest rates above the prescribed limit. The prosecutor or attorney general can bring an action to collect the fine. This amendment is contingent on the enactment of House Bill No. 4116.

Included in complete analysis

  • Overview
  • Core Provisions
  • Implementation
  • Impact
  • Legal Framework
  • Critical Issues

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Where it stands

Last
Passed the House · 83–21 · Mar 20, 2025
Current
Finance, Insurance, And Consumer Protection Committee
Next
Senate floor vote

Sponsors

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5
5
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Democratic CaucusRepublican Caucus

Roll Call Votes

83 Yea

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21 Nay

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Calendar

Mar 13, 2025

9:00 AM

House Regulatory Reform

Mar 6, 2025

9:00 AM

House Regulatory Reform

History

Apr 15, 2025

Senate

Passed By House With Immediate Effect

Apr 15, 2025

Senate

Referred To Committee On Finance, Insurance, And Consumer Protection

Mar 20, 2025

House

Read A Third Time