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Key Votes

HB 4453 - Holds in Foreclosure Proceedings - Key Vote

Michigan Key Votes

Brian Calley voted Nay (Passage) on this Legislation.

Read statements Brian Calley made in this general time period.

Stages

Family

Issues

Stage Details

Legislation - Signed (Executive) -

Title: Holds in Foreclosure Proceedings

Legislation - Conference Report Adopted (Senate) (36-0) -
Legislation - Conference Report Adopted (House) (94-14) -
Legislation - Bill Passed With Amendment (Senate) (29-8) - (Key vote)

Title: Holds in Foreclosure Proceedings

Vote Smart's Synopsis:

Vote to pass a bill that would prohibit a party from initiating proceedings to foreclose a mortgage of a principle residence if various stipulations as mandated in the bill applied.

Highlights:
-Specifies under which circumstances a party may foreclose a mortgage by advertisement (Sec.3204). -Requires foreclosing party to send a written notice to borrowers before foreclosing on a principal residence (Sec. 3204). -Grants 90 days to participate in "pre-foreclosure" meetings (Sec. 3204). -Requires the foreclosing party to be the owner of the indebtedness or of an interest in the indebtedness secured by the mortgage or the servicing agent of the mortgage (Sec. 3204). -Makes Sec. 1 effective 30 days after the bill is enacted into law (Sec. 3205).
Legislation - Bill Passed (House) (73-34) - (Key vote)

Title: Holds in Foreclosure Proceedings

Vote Smart's Synopsis:

Vote to pass a bill that prohibits the commencement of foreclosure proceedings under certain circumstances.

Highlights:
-Prohibits the initiation of foreclosure proceedings on a principal residence if the borrower has not received notice of foreclosure (Sec. 3204). -Allots 90 days to borrowers who have received notice of foreclosure to meet with a loan modification officer, as long as such meeting is arranged within 14 days of such notice, before foreclosure proceedings can begin (Sec. 3204). -Prohibits the initiation of foreclosure proceedings if the borrower and lender have agreed to modify the loan and the borrower is not in default under the modified agreement, or if the borrower is otherwise eligible for a loan modification (Sec. 3204). -Specifies that these prohibitions on the initiation of foreclosure proceedings only apply within two years after the enactment of this bill (Sec. 3204).
Note:

NOTE: THIS IS A SUBSTITUTE BILL, MEANING THE LANGUAGE OF THE ORIGINAL BILL HAS BEEN REPLACED. THE DEGREE TO WHICH THE SUBSTITUTE BILL TEXT DIFFERS FROM THE PREVIOUS VERSION OF THE TEXT CAN VARY GREATLY.

Legislation - Introduced (House) -

Title: Holds in Foreclosure Proceedings

Sponsors

  • Shanelle Jackson (MI - D) (Out Of Office)
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