Ban on Certain Mortgage Lending Practices by Brokers and Lenders

This bill updates Michigan’s mortgage lending rules. It bars lenders from rejecting or worsening home loan terms because of a neighborhood’s race, ethnicity, or the age of nearby buildings, and requires each application to be judged on real financial risk. Denied borrowers must get written reasons and key records. It also allows higher minimum loan sizes, adjusted for inflation, which could make small mortgages and repair loans harder to get.

54.5%

Alignment

Yes

Abstain

House

passed; given immediate effect Roll Call #102 Yeas 72 Nays 29 Excused 0 Not Voting 9 · Mar 19, 2026 · pass

Legislator	Party	District	Their vote	District vote
Tyrone Carter	Democratic	MI0001L	yes	N/A
Tullio Liberati	Democratic	MI0002L	N/A	N/A
Alabas Farhat	Democratic	MI0003L	no	N/A
Karen Whitsett	Democratic	MI0004L	N/A	N/A
Regina Weiss	Democratic	MI0005L	N/A	N/A
Natalie Price	Democratic	MI0006L	no	yes
Tonya Phillips	Democratic	MI0007L	N/A	N/A
Helena Scott	Democratic	MI0008L	yes	N/A
Joe Tate	Democratic	MI0009L	yes	N/A
Veronica Paiz	Democratic	MI0010L	no	N/A
Donavan McKinney	Democratic	MI0011L	no	N/A
Kimberly Edwards	Democratic	MI0012L	no	yes
Mai Xiong	Democratic	MI0013L	yes	N/A
Mike McFall	Democratic	MI0014L	yes	N/A
Erin Byrnes	Democratic	MI0015L	no	N/A
Stephanie Young	Democratic	MI0016L	yes	N/A
Laurie Pohutsky	Democratic	MI0017L	yes	N/A
Jason Hoskins	Democratic	MI0018L	yes	N/A
Samantha Steckloff	Democratic	MI0019L	N/A	N/A
Noah Arbit	Democratic	MI0020L	no	N/A
Kelly Breen	Democratic	MI0021L	yes	N/A
Matt Koleszar	Democratic	MI0022L	no	N/A
Jason Morgan	Democratic	MI0023L	no	N/A
Ranjeev Puri	Democratic	MI0024L	yes	yes
Peter Herzberg	Democratic	MI0025L	N/A	N/A
Dylan Wegela	Democratic	MI0026L	no	N/A
Rylee Linting	Republican	MI0027L	yes	N/A
Jamie Thompson	Republican	MI0028L	yes	yes
Jim DeSana	Republican	MI0029L	N/A	N/A
Will Bruck	Republican	MI0030L	yes	N/A
Reggie Miller	Democratic	MI0031L	no	N/A
Jimmie Wilson	Democratic	MI0032L	no	yes
Morgan Foreman	Democratic	MI0033L	no	yes
Nancy Jenkins-Arno	Republican	MI0034L	yes	N/A
Jennifer Wortz	Republican	MI0035L	yes	N/A
Steve Carra	Republican	MI0036L	yes	N/A
Brad Paquette	Republican	MI0037L	yes	N/A
Joey Andrews	Democratic	MI0038L	no	N/A
Pauline Wendzel	Republican	MI0039L	yes	N/A
Matt Longjohn	Democratic	MI0040L	no	N/A
Julie Rogers	Democratic	MI0041L	no	N/A
Matt Hall	Republican	MI0042L	yes	N/A
Rachelle Smit	Republican	MI0043L	yes	N/A
Steve Frisbie	Republican	MI0044L	yes	N/A
Sarah Lightner	Republican	MI0045L	yes	N/A
Kathy Schmaltz	Republican	MI0046L	yes	yes
Carrie Rheingans	Democratic	MI0047L	no	no
Jennifer Conlin	Democratic	MI0048L	yes	N/A
Ann Bollin	Republican	MI0049L	yes	N/A
Jason Woolford	Republican	MI0050L	yes	N/A
Matt Maddock	Republican	MI0051L	no	N/A
Mike Harris	Republican	MI0052L	yes	N/A
Brenda Carter	Democratic	MI0053L	no	N/A
Donni Steele	Republican	MI0054L	yes	N/A
Mark Tisdel	Republican	MI0055L	yes	N/A
Sharon MacDonell	Democratic	MI0056L	no	N/A
Tom Kuhn	Republican	MI0057L	yes	N/A
Ron Robinson	Republican	MI0058L	yes	N/A
Doug Wozniak	Republican	MI0059L	yes	N/A
Joe Aragona	Republican	MI0060L	yes	N/A
Denise Mentzer	Democratic	MI0061L	no	N/A
Alicia St. Germaine	Republican	MI0062L	yes	N/A
Jay DeBoyer	Republican	MI0063L	yes	N/A
Joe Pavlov	Republican	MI0064L	yes	N/A
Jaime Greene	Republican	MI0065L	N/A	N/A
Josh Schriver	Republican	MI0066L	yes	N/A
Phil Green	Republican	MI0067L	yes	N/A
David Martin	Republican	MI0068L	yes	N/A
Jaz Martus	Democratic	MI0069L	yes	yes
Cynthia Neeley	Democratic	MI0070L	yes	yes
Brian BeGole	Republican	MI0071L	yes	N/A
Mike Mueller	Republican	MI0072L	yes	N/A
Julie Brixie	Democratic	MI0073L	no	N/A
Kara Hope	Democratic	MI0074L	no	yes
Penelope Tsernoglou	Democratic	MI0075L	yes	N/A
Angela Witwer	Democratic	MI0076L	yes	N/A
Emily Dievendorf	Democratic	MI0077L	no	N/A
Gina Johnsen	Republican	MI0078L	yes	N/A
Angela Rigas	Republican	MI0079L	yes	N/A
Phil Skaggs	Democratic	MI0080L	no	N/A
Stephen Wooden	Democratic	MI0081L	yes	N/A
Kristian Grant	Democratic	MI0082L	no	N/A
John Fitzgerald	Democratic	MI0083L	yes	N/A
Carol Glanville	Democratic	MI0084L	no	N/A
Brad Slagh	Republican	MI0085L	yes	N/A
Nancy DeBoer	Republican	MI0086L	yes	N/A
Will Snyder	Democratic	MI0087L	N/A	N/A
Greg VanWoerkom	Republican	MI0088L	yes	N/A
Luke Meerman	Republican	MI0089L	yes	N/A
Bryan Posthumus	Republican	MI0090L	yes	N/A
Pat Outman	Republican	MI0091L	yes	N/A
Jerry Neyer	Republican	MI0092L	yes	N/A
Tim Kelly	Republican	MI0093L	yes	N/A
Amos O'Neal	Democratic	MI0094L	yes	N/A
Bill Schuette	Republican	MI0095L	yes	N/A
Timmy Beson	Republican	MI0096L	yes	N/A
Matt Bierlein	Republican	MI0097L	yes	N/A
Greg Alexander	Republican	MI0098L	yes	N/A
Mike Hoadley	Republican	MI0099L	yes	N/A
Tom Kunse	Republican	MI0100L	yes	N/A
Joseph Fox	Republican	MI0101L	no	N/A
Curt VanderWall	Republican	MI0102L	yes	N/A
Betsy Coffia	Democratic	MI0103L	N/A	N/A
J.R. Roth	Republican	MI0104L	yes	N/A
Ken Borton	Republican	MI0105L	yes	N/A
Cam Cavitt	Republican	MI0106L	yes	N/A
Parker Fairbairn	Republican	MI0107L	yes	N/A
Dave Prestin	Republican	MI0108L	yes	N/A
Karl Bohnak	Republican	MI0109L	yes	N/A
Greg Markkanen	Republican	MI0110L	yes	N/A

Senate

PASSED BY HOUSE WITH IMMEDIATE EFFECT · Mar 24, 2026 · pass

Legislator	Party	District	Their vote	District vote
Erika Geiss	Democratic	MI0001U	N/A	N/A
Sylvia Santana	Democratic	MI0002U	N/A	N/A
Stephanie Chang	Democratic	MI0003U	N/A	N/A
Darrin Camilleri	Democratic	MI0004U	N/A	yes
Dayna Polehanki	Democratic	MI0005U	N/A	yes
Mary Cavanagh	Democratic	MI0006U	N/A	N/A
Jeremy Moss	Democratic	MI0007U	N/A	N/A
Mallory McMorrow	Democratic	MI0008U	N/A	N/A
Michael Webber	Republican	MI0009U	N/A	N/A
Paul Wojno	Democratic	MI0010U	N/A	yes
Veronica Klinefelt	Democratic	MI0011U	N/A	yes
Kevin Hertel	Democratic	MI0012U	N/A	N/A
Rosemary Bayer	Democratic	MI0013U	N/A	N/A
Sue Shink	Democratic	MI0014U	N/A	yes
Jeff Irwin	Democratic	MI0015U	N/A	yes
Joe Bellino	Republican	MI0016U	N/A	N/A
Jonathan Lindsey	Republican	MI0017U	N/A	N/A
Thomas Albert	Republican	MI0018U	N/A	N/A
Sean McCann	Democratic	MI0019U	N/A	N/A
Aric Nesbitt	Republican	MI0020U	N/A	N/A
Sarah Anthony	Democratic	MI0021U	N/A	yes
Lana Theis	Republican	MI0022U	N/A	N/A
Jim Runestad	Republican	MI0023U	N/A	N/A
Ruth Johnson	Republican	MI0024U	N/A	N/A
Dan Lauwers	Republican	MI0025U	N/A	N/A
Kevin Daley	Republican	MI0026U	N/A	N/A
John Cherry	Democratic	MI0027U	N/A	yes
Sam Singh	Democratic	MI0028U	N/A	N/A
Winnie Brinks	Democratic	MI0029U	N/A	N/A
Mark Huizenga	Republican	MI0030U	N/A	N/A
Roger Victory	Republican	MI0031U	N/A	N/A
Jon Bumstead	Republican	MI0032U	N/A	N/A
Rick Outman	Republican	MI0033U	N/A	N/A
Roger Hauck	Republican	MI0034U	N/A	N/A
Michele Hoitenga	Republican	MI0036U	N/A	N/A
John Damoose	Republican	MI0037U	N/A	N/A
Ed McBroom	Republican	MI0038U	N/A	N/A