All Roll Calls
Yes: 139 • No: 2
MichiganHB 46662025-2026 Regular SessionHouseWALLET
Insurance: life; reference to "colored" persons; eliminate. Amends sec. 2082 of 1956 PA 218 (MCL 500.2082). Last Action: assigned PA 46'25
Sponsored By: Brenda Carter (Democratic)
Became Law
Insurance: lifeInsurance: unfair trade practicesCivil rights: racial discrimination
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
No race-based life insurance pricing
Life insurers in Michigan cannot use your race or color for premiums, rates, or policy terms. They cannot pay less on a death claim or require you to accept less because of race. Any policy term that does this is void. If an insurer breaks the rule, the Attorney General can seek a $1,000 civil fine for each violation. Officers or agents who discriminate can face a misdemeanor, up to 1 year in jail, and a $500–$1,000 fine.
Sponsors & Cosponsors
Sponsor
Brenda Carter
Democratic • House
Cosponsors
John Fitzgerald
Democratic • House
Roll Call Votes
Senate vote • 12/18/2025
PASSED
Yes: 35 • No: 1 • Other: 1
House vote • 10/23/2025
passed; given immediate effect
Yes: 104 • No: 1 • Other: 5
Actions Timeline
assigned PA 46'25
12/31/2025Housefiled with Secretary of State 12/23/2025 11:44 AM
12/31/2025Houseapproved by the Governor 12/23/2025 10:14 AM
12/31/2025Housepresented to the Governor 12/22/2025 01:52 PM
12/23/2025Housebill ordered enrolled
12/18/2025Housefull title agreed to
12/18/2025Housereturned from Senate without amendment with full title
12/18/2025HouseRETURNED TO HOUSE
12/18/2025HouseINSERTED FULL TITLE
12/18/2025SenatePASSED ROLL CALL # 349 YEAS 35 NAYS 1 EXCUSED 1 NOT VOTING 0
12/18/2025SenatePLACED ON IMMEDIATE PASSAGE
12/18/2025SenateRULES SUSPENDED
12/18/2025SenatePLACED ON ORDER OF THIRD READING
12/18/2025SenateREPORTED BY COMMITTEE OF THE WHOLE FAVORABLY WITHOUT AMENDMENT(S)
12/18/2025SenateRULES SUSPENDED FOR IMMEDIATE CONSIDERATION
12/16/2025SenatePLACED ON ORDER OF GENERAL ORDERS
12/16/2025SenateDISCHARGE COMMITTEE APPROVED
12/16/2025SenateREFERRED TO COMMITTEE ON FINANCE, INSURANCE, AND CONSUMER PROTECTION
10/28/2025SenatePASSED BY HOUSE WITH IMMEDIATE EFFECT
10/28/2025Housetransmitted
10/23/2025Housepassed; given immediate effect Roll Call #263 Yeas 104 Nays 1 Excused 0 Not Voting 5
10/23/2025Houseread a third time
10/23/2025Houseplaced on immediate passage
10/23/2025Houseplaced on third reading
10/23/2025Houseread a second time
10/23/2025House
Bill Text
Public Act
12/23/2025
As Passed by the Senate
12/18/2025
House Concurred
12/18/2025
As Passed by the House
10/23/2025
Introduced
6/24/2025
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