Michigan 2025-2026 Regular Session Status: Introduced 1 R cosponsors

HB 6190 — Financial institutions: mortgage brokers and lenders; consolidation of certain licensing statutes related to residential mortgages; make conforming changes in the credit reform act. Amends sec. 2 of 1995 PA 162 (MCL 445.1852). TIE BAR WITH: HB 6177'26

Last action — bill electronically reproduced 07/03/2026

  1. 1
    Introduced
  2. 2
    In Committee
  3. 3
    Passed House
  4. 4
    Passed Senate
  5. 5
    To Executive
  6. 6
    Enacted

This bill has been introduced in the House. Introduced July 14, 2026. It must pass committee before a floor vote.

Next likely step: a committee referral and hearing.

Odds of enactment

Low chance

Based on the sponsor, cosponsors, and committee posture, this bill has a low chance of becoming law.

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A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Not enough signal yet

Not enough signal yet to read this bill's trajectory — we surface a likelihood only once there's real movement (stage, sponsorship, committee, or votes) to point to.

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

In plain language

The bill consolidates licensing statutes for mortgage brokers and lenders.

This bill aims to unify certain licensing requirements for mortgage brokers and lenders, making the regulations more consistent. It also includes updates to align with the credit reform act.

Summary

Financial institutions: mortgage brokers and lenders; consolidation of certain licensing statutes related to residential mortgages; make conforming changes in the credit reform act. Amends sec. 2 of 1995 PA 162 (MCL 445.1852). TIE BAR WITH: HB 6177'26

Bill Text

Action History

  1. bill electronically reproduced 07/03/2026

Sponsors

Sponsorship breakdown

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1 sponsors · 0 co-sponsors · 146 not signed on

Sponsors (1)

Co-sponsors (0)

None.

Not signed on (146)

146 members have not signed on to this bill.

Show all 146 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

finance housing
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

What does HB 6190 do?
Financial institutions: mortgage brokers and lenders; consolidation of certain licensing statutes related to residential mortgages; make conforming changes in the credit reform act. Amends sec. 2 of 1995 PA 162 (MCL 445.1852). TIE BAR WITH: HB 6177'26
Who sponsors HB 6190?
HB 6190 is sponsored by Steve Frisbie (Republican).
What is the current status of HB 6190?
This bill has been introduced in the House. Introduced July 14, 2026. It must pass committee before a floor vote.
Where can I track HB 6190?
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Last checked for changes 3 months ago · updated continuously

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