Title 445, TRADE AND COMMERCE

Sec. 22. The provisions of this act shall not invalidate or make unlawful or unenforceable, retail installment contracts or retail charge agreements executed prior to the effective date of this act, or liabilities at any time incurred thereunder.

Sec. 23. Instead of a time price differential computed on the original principal balance, the seller may charge from time to time a time price differential consisting of interest on the amount of the unpaid principal balance of the contract. The transaction is subject to this act…

Sec. 1. As used in this act: (a) "Home solicitation sale" means a sale of goods or services of more than $25.00 in which the seller or a person acting for the seller engages in a personal, telephonic, or written solicitation of the sale, the solicitation is received by the buyer …

Sec. 1a. (1) A home solicitation sale shall not be made by telephonic solicitation using in whole or in part a recorded message. A person shall not make a telephone solicitation that consists in whole or in part of a recorded message. (2) Within 120 days after the effective date …

Sec. 1b. (1) At the beginning of a telephone solicitation, a person making a telephone solicitation to a residential telephone subscriber shall state his or her name and the full name of the organization or other person on whose behalf the call was initiated and provide a telepho…

Sec. 1c. (1) It is an unfair or deceptive act or practice and a violation of this act for a telephone solicitor to do any of the following: (a) Misrepresent or fail to disclose, in a clear, conspicuous, and intelligible manner and before payment is received from the consumer, all…

Sec. 1d. (1) Beginning 210 days after the effective date of the amendatory act that added this section, if a telephone directory includes residential telephone numbers, a person that publishes a new telephone directory shall include in the telephone directory a notice describing …

Sec. 1e. Sections 1a, 1b, 1c, and 1d do not apply to a person subject to any of the following: (a) The charitable organizations and solicitations act, 1975 PA 169, MCL 400.271 to 400.294. (b) The public safety solicitation act, 1992 PA 298, MCL 14.301 to 14.327. (c) Section 527 o…

Sec. 2. (1) Except as provided in subsection (5), in addition to any right otherwise to revoke an offer, a buyer has the right to cancel a home solicitation sale until midnight of the third business day after the day on which the buyer signs an agreement or offer to purchase that…

Sec. 3. (1) In a home solicitation sale, unless the buyer requests the seller to provide goods or services without delay in an emergency, the seller shall present to the buyer and obtain the buyer's signature to a written agreement or offer to purchase that designates as the date…

Sec. 4. (1) Except as provided in this section, within 10 days after a home solicitation sale has been canceled or an offer to purchase revoked the seller shall tender to the buyer any payments made by the buyer and any note or other evidence of indebtedness. (2) If the down paym…

Sec. 5. (1) Except as provided by section 4(3), if a home solicitation sale has been canceled or an offer to purchase revoked, a seller may demand the return of goods delivered within 20 days after the cancellation or revocation. The buyer shall take good care of the goods and sh…

Sec. 6. In connection with a home solicitation sale, refunds or penalties to which the debtor is entitled pursuant to this act may be set off against the debtor's obligation, and may be raised as a defense to an action on the obligation without regard to the time limitations pres…

Sec. 7. No person may bring any action in any court of this state for the collection of any home solicitation sale contract without proving that such person was at all times in compliance with this act.

Sec. 1. This act shall be known and may be cited as the "security freeze act".

Sec. 2. As used in this act: (a) "Consumer" means an individual who resides in this state. (b) "Consumer reporting agency" means any person that, for monetary fees or dues or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or …

Sec. 3. Article 2 does not apply to any of the following entities or uses: (a) A person, or a subsidiary, affiliate, agent, or assignee of a person, with which the consumer has, or before assignment had, an account, contract, or debtor-creditor relationship, for the purpose of ac…

Sec. 4. Article 3 does not apply to any of the following entities or uses: (a) A person that is acting under a court order, warrant, or subpoena. (b) A person that administers a credit file monitoring subscription service to which a consumer or protected consumer has subscribed. …

Sec. 11. (1) A consumer reporting agency shall place a security freeze on a consumer's credit report if all of the following are met: (a) The consumer reporting agency receives a request from the consumer for the placement of the security freeze under this act. (b) The consumer d…

Sec. 12. Within 5 business days after placing a security freeze on a consumer's credit report under section 11, the consumer reporting agency shall do all of the following: (a) Send a written confirmation of the security freeze to the consumer. (b) Provide the consumer with a uni…

Sec. 13. Except as provided in section 14, if a security freeze is in place, a consumer reporting agency may not release a consumer's credit report or any information derived from a consumer's credit report without the express prior authorization of the consumer.

Sec. 14. (1) A consumer who does all of the following may temporarily lift a security freeze to allow access to the consumer's credit report by a specific person or for a specific period of time while the security freeze is in place: (a) Contacts the consumer reporting agency at …

Sec. 15. If, in connection with an application for credit or for any other use, a person requests access to a consumer's credit report while a security freeze is in place and the consumer does not authorize access to the consumer's credit report, the person may treat the applicat…

Sec. 16. A security freeze on a consumer's credit report shall remain in place until 1 of the following occurs: (a) The freeze is temporarily lifted at the consumer's request under section 14. (b) The freeze is removed at the consumer's request under section 17. (c) The freeze is…

Sec. 17. (1) A consumer reporting agency shall remove a security freeze on a consumer's credit report if the consumer does all of the following: (a) Contacts the consumer reporting agency at the address or other point of contact and in the manner specified by the consumer reporti…

Sec. 21. (1) A consumer reporting agency shall place a security freeze on a protected consumer's credit report if all of the following are met: (a) The consumer reporting agency receives a request from the representative of the protected consumer for the placement of the security…

Sec. 22. (1) If a security freeze is in place, a consumer reporting agency may not release a protected consumer's credit report, any information derived from the protected consumer's credit report, or any record created for the protected consumer. (2) A security freeze for a prot…

Sec. 23. A consumer reporting agency shall remove a security freeze for a protected consumer placed under section 21 within 30 days after the protected consumer or the protected consumer's representative does all of the following: (a) Submits a request for the removal of the secu…

Sec. 24. Within 30 days after receiving a request that meets the requirements of section 23, a consumer reporting agency shall remove a security freeze for the protected consumer.

Sec. 25. A consumer reporting agency may remove a security freeze for a protected consumer or delete a record of a protected consumer if the security freeze was placed or the record was created based on a material misrepresentation of fact by the protected consumer or the protect…

Sec. 31. A consumer reporting agency may not charge a fee for the placement, temporary lifting, or removal of a security freeze for a consumer under article 2 or for a protected consumer under article 3.

Sec. 32. The attorney general may apply to the circuit court for Ingham county, or to the circuit court for the county in which a violation of this act is alleged to have occurred or in which the person that allegedly violated this act resides or is located, for injunctive or oth…

Sec. 1. The term "used car lot" as used in this act shall be construed to mean any place where used motor vehicles are displayed and offered for sale in the open.

Sec. 2. The township board of any township is hereby authorized and may adopt a resolution providing for the licensing of used car lots. In such regulations the township board may prescribe the amount of an annual license fee which shall not exceed 100 dollars. The township board…

Sec. 3. Said resolution, and the rules, regulations and conditions enacted hereunder shall, within 5 days after their adoption and before the same shall take effect, be published by posting the same in 3 conspicuous places in the township and an affidavit of said posting shall be…

Sec. 4. Any person, firm, association or corporation which shall operate a used car lot without a license, or shall violate any rule, regulation or condition, shall be deemed guilty of a misdemeanor, and shall be punished as provided by the laws of this state.

Sec. 1. As used in this act: (a) "Adjusted for inflation" means increased in accordance with the formula for inflation adjustment set forth in Exhibit C to the master settlement agreement. (b) "Affiliate" means a person who directly or indirectly owns or controls, is owned or con…

Sec. 2. (1) Any tobacco product manufacturer selling cigarettes to consumers within the state (whether directly or through a distributor, retailer, or similar intermediary or intermediaries) after December 28, 1999 shall do 1 of the following: (a) Become a participating manufactu…

Sec. 1. As used in this act: (a) "Article" means any clothing, garment, wearing apparel, leather garment, fur coat or garment, curtain, drapery, rug, carpet, or household furnishing. (b) "Business" means an individual, partnership, corporation, or other legal entity which, for co…

Sec. 3. Except as provided in section 7, the owner of an article delivered to a business for the purpose of cleaning or repair services shall lose his or her ownership rights to the article not less than 1 year after the date the article was delivered to the business if the artic…

Sec. 5. Except as provided in section 7, the owner of an article delivered to a business for the purpose of storage shall lose his or her ownership rights to the article not less than 1 year after the date on which the storage agreement terminated or expired if the article has be…

Sec. 7. The owner of an article may regain his or her ownership rights in an article where the ownership rights were terminated pursuant to section 3, 5, or 9 if both of the following circumstances exist: (a) The business has not sold, donated, or otherwise disposed of the articl…

Sec. 9. (1) On or after the effective date of this act, the owner's rights to an article shall immediately terminate if any of the following circumstances exists: (a) The article was delivered to the business for the purpose of cleaning or repair services and has been in the poss…

Sec. 11. A business shall display in a prominent place in its retail store notices substantially complying with the following: "ANY CLOTHING, GARMENT, WEARING APPAREL, LEATHER GARMENT, FUR COAT OR GARMENT, CURTAIN, DRAPERY, RUG, CARPET, OR HOUSEHOLD FURNISHING DRY CLEANED, DYED, …

Sec. 13. Act No. 43 of the Public Acts of 1943, being sections 570.211 to 570.217 of the Michigan Compiled Laws, is repealed.

Sec. 1. This act shall be known and may be cited as the "franchise investment law". This act shall be broadly construed to effectuate its purpose of providing protection to the public.