2023 Senate Bill 409

Civil procedure: bankruptcy; bankruptcy exemptions; modify.

A bill to amend 1961 PA 236, entitled “Revised judicature act of 1961,” by amending section 5451 (MCL 600.5451), as amended by 2012 PA 451.

Mackinac Center Analysis

Senate Bills 408 and 409 limit the ability of landlords (and other creditors) to recoup money they are owed. If a renter doesn’t pay, a creditor can go through a process to garnish the renter’s wages. This bill restricts property owners from garnishing funds coming from government benefits and places complicated new regulations on financial institutions that hold the funds of debtors.

Introduced in the Senate

June 27, 2023

Introduced by Sen. Mary Cavanagh (D-6) and five co-sponsors

Co-sponsored by Sens. Jeff Irwin (D-15), Mallory McMorrow (D-8), Stephanie Chang (D-3), Erika Geiss (D-1) and Rosemary Bayer (D-13)

Referred to the Committee on Finance, Insurance, and Consumer Protection

Oct. 23, 2024

Reported with substitute S-2

Oct. 24, 2024

Referred to the Committee of the Whole

Dec. 12, 2024

Reported with substitute S-2

Substitute S-2 concurred in by voice vote

Passed in the Senate 21 to 15 (details)

Received in the House

Dec. 12, 2024