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Key Votes

HB 4454 - Written Foreclosure Notice Requirement - Key Vote

Michigan Key Votes

Stages

Family

Issues

Stage Details

Legislation - Signed (Executive) -

Title: Written Foreclosure Notice Requirement

Legislation - Conference Report Adopted (Senate) (36-0) -
Legislation - Conference Report Adopted (House) (93-15) -
Legislation - Bill Passed With Amendment (Senate) (28-9) - (Key vote)

Title: Written Foreclosure Notice Requirement

Vote Smart's Synopsis:

Vote to pass a bill that allows borrowers behind on their mortgage payments to negotiate with lenders to modify the mortgage loan and delay foreclosure.

Highlights:
-Requires a written notice to be sent to the borrower before foreclosure that contains the reason for the mortgage loan default, the remaining amount due, and contact information for the mortgage holder and mortgage servicer (Sec. 1). -Allows a borrower who does not receive a written notice before foreclosure to bring action in a circuit court (Sec 1). -Postpones foreclosure proceedings for 90 days if the borrower requests a meeting with the mortgage servicer and a housing counselor (Sec. 1).
Legislation - Bill Passed (House) (75-33) - (Key vote)

Title: Written Foreclosure Notice Requirement

Vote Smart's Synopsis:

Vote to pass a bill that allows borrowers behind on their mortgage payments to negotiate with lenders to modify the mortgage loan and delay foreclosure.

Highlights:
-Requires a written notice to be sent to the borrower before foreclosure that contains the reason for the mortgage loan default, the remaining amount due, and contact information for the mortgage holder and mortgage servicer (Sec. 1). -Allows a borrower who does not receive a written notice before foreclosure to bring action in a circuit court (Sec 1). -Postpones foreclosure proceedings for 90 days if the borrower requests a meeting with the mortgage servicer and a housing counselor (Sec. 1). -Rep. Coulouris sponsored the substitute text.
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: Written Foreclosure Notice Requirement

Sponsors

  • Andrew 'Andy' Coulouris (MI - D) (Out Of Office)

Co-sponsors

  • Timothy Bledsoe (MI - D) (Out Of Office)
  • Lisa Brown (MI - D) (Out Of Office)
  • Marc R. Corriveau (MI - D) (Out Of Office)
  • George C. Cushingberry Jr. (MI - D) (Out Of Office)
  • Kate Ebli (MI - D) (Out Of Office)
  • Jennifer Haase (MI - D) (Out Of Office)
  • Michael R. 'Huck' Huckleberry (MI - D) (Out Of Office)
  • Robert B. Jones (MI - D) (Out Of Office)
  • Deb Kennedy (MI - D) (Out Of Office)
  • Gabriel 'Gabe' Leland (MI - D) (Out Of Office)
  • Lesia Liss (MI - D) (Out Of Office)
  • Tim Melton (MI - D) (Out Of Office)
  • Fred J. Miller (MI - D) (Out Of Office)
  • Judy Nerat (MI - D) (Out Of Office)
  • Sarah Roberts (MI - D) (Out Of Office)
  • Roy Schmidt (MI - D) (Out Of Office)
  • Daniel Collins 'Dan' Scripps (MI - D) (Out Of Office)
  • Mike Simpson (MI - D) (Out Of Office)
  • Alma Wheeler Smith (MI - D) (Out Of Office)
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