Michigan 2025-2026 Regular Session Status: Passed House 1 R cosponsors

HB 5045 — Housing: other; redemption of premises; modify. Amends secs. 48g & 48i of 1966 PA 346 (MCL 125.1448g & 125.1448i).

Last action — REFERRED TO COMMITTEE ON LOCAL GOVERNMENT

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

This bill has passed the House. Introduced July 01, 2026. It now moves to the second chamber.

Next likely step: consideration and a floor vote in the Senate.

Odds of enactment

Moderate chance

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

Upgrade to see the exact probability and what's driving it.

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

Prognosis

Advancing 48% · moderate confidence

  • Passed House

    Current position in the legislative process.

  • 1 sponsor

    1 primary, 0 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (1 R).

  • Cleared a recorded vote

    Passed 2 recorded votes so far.

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 modifies the redemption process for certain properties.

This legislation makes changes to how properties can be redeemed after a foreclosure. It specifically amends sections related to the redemption process.

Summary

Housing: other; redemption of premises; modify. Amends secs. 48g & 48i of 1966 PA 346 (MCL 125.1448g & 125.1448i).

Bill Text

What changed in the latest version

6 added · 5 removed

Plain-language change summary

The recent changes to Bill HB 5045 involved adding six lines of new content while removing five lines of previous text. These additions likely include important updates or clarifications that enhance the bill's purpose or effectiveness, while the removals may have eliminated outdated or redundant information. This matters because it can improve the clarity and impact of the legislation, helping ensure that it addresses the current needs of the community more effectively.

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SUBSTITUTE FOR HOUSE BILL NO.
HB-5045, As Passed House, June 24, 2026 SUBSTITUTE FOR HOUSE BILL NO.
and shall indorse upon (2) The person making the sale shall state in each deed OOH H03118'25 (H-2) kdpc6f 1 executed under subsection (1) the time it becomes when the deed will become operative, subject to subsection (5), if the premises are not redeemed according to law.
and shall indorse upon (2) The person making the sale shall state in each deed OOH H03118'25 (H-2)_HB5045_APH_1 s0i516 1 executed under subsection (1) the time it becomes when the deed will become operative, subject to subsection (5), if the premises are not redeemed according to law.
(a) The interest on the sum that was due begins to accrue from OOH H03118'25 (H-2) kdpc6f 1 the date of the sale.
(a) The interest on the sum that was due begins to accrue from OOH H03118'25 (H-2)_HB5045_APH_1 s0i516 1 the date of the sale.
(1) The Except as otherwise provided under this subsection and section 48g(5), the mortgagor, the mortgagor's heirs, executors, administrators, or any person lawfully claiming under the mortgagor or the mortgagor's heirs, executors, or administrators may redeem the entire premises sold by paying, within 6 months from the date of the sale, to the purchaser or the purchaser's executors, administrators, or assigns, or to the register of deeds in whose office the deed of sale is deposited as OOH H03118'25 (H-2) kdpc6f 1 provided in the court rules, for the benefit of the purchaser, the sum which that was bid with interest from the date of the sale at the interest rate provided for by the mortgage.
(1) The Except as otherwise provided under this subsection and section 48g(5), the mortgagor, the mortgagor's heirs, executors, administrators, or any person lawfully claiming under the mortgagor or the mortgagor's heirs, executors, or administrators may redeem the entire premises sold by paying, within 6 months from the date of the sale, to the purchaser or the purchaser's executors, administrators, or assigns, or to the register of deeds in whose office the deed of sale is deposited as OOH H03118'25 (H-2)_HB5045_APH_1 s0i516 1 provided in the court rules, for the benefit of the purchaser, the sum which that was bid with interest from the date of the sale at the interest rate provided for by the mortgage.
The purchaser may include in the affidavit the name of a designee responsible on behalf of the purchaser to assist the person OOH H03118'25 (H-2) kdpc6f redeeming the property in computing the exact amount required to redeem the property.
The purchaser may include in the affidavit the name of a designee responsible on behalf of the purchaser to assist the person OOH H03118'25 (H-2)_HB5045_APH_1 s0i516 redeeming the property in computing the exact amount required to redeem the property.
Final Page OOH H03118'25 (H-2) kdpc6f
Final Page OOH H03118'25 (H-2)_HB5045_APH_1 s0i516
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Action History

  1. 7/1/2026 - REFERRED TO COMMITTEE ON LOCAL GOVERNMENT

Sponsors

Sponsorship breakdown

Export CSV (upgrade) →

1 sponsors · 0 co-sponsors · 146 not signed on · 3 voted No

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

Votes

passed; given immediate effect

Passed 105 Yea · 2 Nay · 3 Other
Party YeaNayPresentNot Voting
Democrat 47100
Republican 56100
Unaffiliated 2000
Total 105200
% of votes cast 98%2%0%0%
How each member voted (107)
Member Party Vote
Myers-Phillips — Yea
O’Neal — Yea
Alabas Farhat Democrat Yea
Angela Witwer Democrat Yea
Betsy Coffia Democrat Yea
Carol Glanville Democrat Yea
Carrie Rheingans Democrat Yea
Chedrick Greene Democrat Nay
Denise Mentzer Democrat Yea
Donavan McKinney Democrat Yea
Dylan Wegela Democrat Yea
Emily Dievendorf Democrat Yea
Erin Byrnes Democrat Yea
Helena Scott Democrat Yea
Jason M Hoskins Democrat Yea
Jason Morgan Democrat Yea
Jasper Martus Democrat Yea
Jennifer Conlin Democrat Yea
Jimmie Wilson Jr Democrat Yea
Joey Andrews Democrat Yea
John Fitzgerald Democrat Yea
Joseph Tate Democrat Yea
Julie Brixie Democrat Yea
Julie M. Rogers Democrat Yea
Kara Hope Democrat Yea
Kelly A Breen Democrat Yea
Kimberly Edwards Democrat Yea
Kristian Grant Democrat Yea
Laurie Pohutsky Democrat Yea
Mai Xiong Democrat Yea
Matt Koleszar Democrat Yea
Matt Longjohn Democrat Yea
Mike McFall Democrat Yea
Morgan Foreman Democrat Yea
Natalie Price Democrat Yea
Noah Arbit Democrat Yea
Penelope Tsernoglou Democrat Yea
Peter Herzberg Democrat Yea
Phil Skaggs Democrat Yea
Ranjeev Puri Democrat Yea
Reggie Miller Democrat Yea
Regina Weiss Democrat Yea
Samantha Steckloff Democrat Yea
Sharon MacDonell Democrat Yea
Stephanie A Young Democrat Yea
Stephen Wooden Democrat Yea
Tullio Liberati Jr. Democrat Yea
Tyrone Carter Democrat Yea
Veronica Paiz Democrat Yea
Will Snyder Democrat Yea
Alicia St. Germaine Republican Yea
Angela Rigas Republican Yea
Ann M. Bollin Republican Yea
Bill Schuette Republican Yea
Brad Paquette Republican Yea
Bradley Slagh Republican Yea
Brian BeGole Republican Yea
Bryan Posthumus Republican Yea
Cameron Cavitt Republican Yea
Curtis S VanderWall Republican Yea
David Prestin Republican Yea
David W. Martin Republican Yea
Donni Steele Republican Nay
Douglas C Wozniak Republican Yea
Gina Johnsen Republican Yea
Greg VanWoerkom Republican Yea
Gregory Alexander Republican Yea
Gregory Markkanen Republican Yea
James DeSana Republican Yea
Jamie Thompson Republican Yea
Jason Woolford Republican Yea
Jay DeBoyer Republican Yea
Jennifer Wortz Republican Yea
Jerry Neyer Republican Yea
John R. Roth Republican Yea
Joseph A. Aragona Republican Yea
Joseph Fox Republican Yea
Joseph Pavlov Republican Yea
Josh Schriver Republican Yea
Karl Bohnak Republican Yea
Kathy Schmaltz Republican Yea
Ken Borton Republican Yea
Luke Meerman Republican Yea
Mark A Tisdel Republican Yea
Matt Hall Republican Yea
Matt Maddock Republican Yea
Matthew Bierlein Republican Yea
Mike Harris Republican Yea
Mike Hoadley Republican Yea
Mike Mueller Republican Yea
Nancy DeBoer Republican Yea
Nancy Jenkins-Arno Republican Yea
Parker Fairbairn Republican Yea
Pauline Wendzel Republican Yea
Phil Green Republican Yea
Rachelle Smit Republican Yea
Rick Outman Republican Yea
Ron Robinson Republican Yea
Rylee Linting Republican Yea
Sarah Lightner Republican Yea
Steve Carra Republican Yea
Steve Frisbie Republican Yea
Thomas Kuhn Republican Yea
Tim Kelly Republican Yea
Timothy Beson Republican Yea
Tom Kunse Republican Yea
William Bruck Republican Yea

Official roll call →

passed; given immediate effect Roll Call #250 Yeas 105 Nays 2 Excused 0 Not Voting 3

Passed 105 Yea · 2 Nay
Party YeaNayPresentNot Voting
Republican 55200
Democrat 47000
Unaffiliated 3000
Total 105200
% of votes cast 98%2%0%0%
How each member voted (107)
Member Party Vote
Myers-Phillips — Yea
O’Neal — Yea
St. Germaine — Yea
Alabas Farhat Democrat Yea
Angela Witwer Democrat Yea
Betsy Coffia Democrat Yea
Carol Glanville Democrat Yea
Carrie Rheingans Democrat Yea
Denise Mentzer Democrat Yea
Donavan McKinney Democrat Yea
Dylan Wegela Democrat Yea
Emily Dievendorf Democrat Yea
Erin Byrnes Democrat Yea
Helena Scott Democrat Yea
Jason M Hoskins Democrat Yea
Jason Morgan Democrat Yea
Jasper Martus Democrat Yea
Jennifer Conlin Democrat Yea
Jimmie Wilson Jr Democrat Yea
Joey Andrews Democrat Yea
John Fitzgerald Democrat Yea
Joseph Tate Democrat Yea
Julie Brixie Democrat Yea
Julie M. Rogers Democrat Yea
Kara Hope Democrat Yea
Kelly A Breen Democrat Yea
Kimberly Edwards Democrat Yea
Kristian Grant Democrat Yea
Laurie Pohutsky Democrat Yea
Mai Xiong Democrat Yea
Matt Koleszar Democrat Yea
Matt Longjohn Democrat Yea
Mike McFall Democrat Yea
Morgan Foreman Democrat Yea
Natalie Price Democrat Yea
Noah Arbit Democrat Yea
Penelope Tsernoglou Democrat Yea
Peter Herzberg Democrat Yea
Phil Skaggs Democrat Yea
Ranjeev Puri Democrat Yea
Reggie Miller Democrat Yea
Regina Weiss Democrat Yea
Samantha Steckloff Democrat Yea
Sharon MacDonell Democrat Yea
Stephanie A Young Democrat Yea
Stephen Wooden Democrat Yea
Tullio Liberati Jr. Democrat Yea
Tyrone Carter Democrat Yea
Veronica Paiz Democrat Yea
Will Snyder Democrat Yea
Angela Rigas Republican Yea
Ann M. Bollin Republican Yea
Bill Schuette Republican Yea
Brad Paquette Republican Yea
Bradley Slagh Republican Yea
Brian BeGole Republican Yea
Bryan Posthumus Republican Yea
Cameron Cavitt Republican Yea
Curtis S VanderWall Republican Yea
David Prestin Republican Yea
David W. Martin Republican Yea
Donni Steele Republican Nay
Douglas C Wozniak Republican Yea
Gina Johnsen Republican Yea
Greg VanWoerkom Republican Yea
Gregory Alexander Republican Yea
Gregory Markkanen Republican Yea
Jaime Greene Republican Nay
James DeSana Republican Yea
Jamie Thompson Republican Yea
Jason Woolford Republican Yea
Jay DeBoyer Republican Yea
Jennifer Wortz Republican Yea
Jerry Neyer Republican Yea
John R. Roth Republican Yea
Joseph A. Aragona Republican Yea
Joseph Fox Republican Yea
Joseph Pavlov Republican Yea
Josh Schriver Republican Yea
Karl Bohnak Republican Yea
Kathy Schmaltz Republican Yea
Ken Borton Republican Yea
Luke Meerman Republican Yea
Mark A Tisdel Republican Yea
Matt Hall Republican Yea
Matt Maddock Republican Yea
Matthew Bierlein Republican Yea
Mike Harris Republican Yea
Mike Hoadley Republican Yea
Mike Mueller Republican Yea
Nancy DeBoer Republican Yea
Nancy Jenkins-Arno Republican Yea
Parker Fairbairn Republican Yea
Pauline Wendzel Republican Yea
Phil Green Republican Yea
Rachelle Smit Republican Yea
Rick Outman Republican Yea
Ron Robinson Republican Yea
Rylee Linting Republican Yea
Sarah Lightner Republican Yea
Steve Carra Republican Yea
Steve Frisbie Republican Yea
Thomas Kuhn Republican Yea
Tim Kelly Republican Yea
Timothy Beson Republican Yea
Tom Kunse Republican Yea
William Bruck Republican Yea

Official roll call →

Subjects

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 5045 do?
Housing: other; redemption of premises; modify. Amends secs. 48g & 48i of 1966 PA 346 (MCL 125.1448g & 125.1448i).
Who sponsors HB 5045?
HB 5045 is sponsored by Brian BeGole (Republican).
What is the current status of HB 5045?
This bill has passed the House. Introduced July 01, 2026. It now moves to the second chamber.
Where can I track HB 5045?
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