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

HB 5781 — Financial institutions: credit unions; insurance from a qualified private insurance organization; allow for foreign credit unions. Amends sec. 501 of 2003 PA 215 (MCL 490.501). TIE BAR WITH: HB 5779'26, HB 5780'26, HB 5782'26, HB 5783'26

Last action — REFERRED TO COMMITTEE ON FINANCE, INSURANCE, AND CONSUMER PROTECTION

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  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 June 23, 2026. It now moves to the second chamber.

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

Prognosis

Advancing 48% · moderate confidence

Where this bill stands today.

Odds of enactment

Moderate

How often bills like it became law.

  • 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.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

In plain language

The bill allows credit unions to obtain insurance from qualified private insurers and permits foreign credit unions.

This bill amends existing laws to enable credit unions to secure insurance through private organizations and allows foreign credit unions to operate in the area. These changes aim to expand options for credit unions and improve their competitiveness.

What this means for you
  • Consumers: This means you may have more choices and competitive options for financial services as credit unions enhance their offerings.
  • Small Business: This may provide small businesses more financial options and services through credit unions that can now access broader insurance coverage.

Summary

Financial institutions: credit unions; insurance from a qualified private insurance organization; allow for foreign credit unions. Amends sec. 501 of 2003 PA 215 (MCL 490.501). TIE BAR WITH: HB 5779'26, HB 5780'26, HB 5782'26, HB 5783'26

Bill Text

What changed in the latest version

4 added · 3 removed

Plain-language change summary

In the updated version of Bill HB 5781, some provisions have been added to clarify certain key points, while others that were present in the earlier draft have been removed. This change is important because it aims to ensure that the bill addresses the issues it intends to solve more effectively and aligns better with current needs. Simplifying the language and focusing on essential elements may help in making the bill more understandable and actionable.

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Latest
HOUSE BILL NO.
HB-5781, As Passed House, June 17, 2026 HOUSE BILL NO.
JJB H05545'25_HB5781_INTR_1 vhzog8 1 (a) The credit union is organized under a law similar to this act.
JJB H05545'25_HB5781_APH_1 63qy8g 1 (a) The credit union is organized under a law similar to this act.
For purposes of this subdivision, a service other than a loan is provided in this state if a person does not physically travel out of this state to obtain JJB H05545'25_HB5781_INTR_1 vhzog8 1 the service or if an agreement to provide the service is signed by a person in this state.
For purposes of this subdivision, a service other than a loan is provided in this state if a person does not physically travel out of this state to obtain JJB H05545'25_HB5781_APH_1 63qy8g 1 the service or if an agreement to provide the service is signed by a person in this state.
Final Page JJB H05545'25_HB5781_INTR_1 vhzog8
Final Page JJB H05545'25_HB5781_APH_1 63qy8g
⬇ Download PDF
View plain text versions (2)

Action History

  1. REFERRED TO COMMITTEE ON FINANCE, INSURANCE, AND CONSUMER PROTECTION

Sponsors

Sponsorship breakdown

Export CSV (upgrade) →

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

Votes

passed; given immediate effect Roll Call #221 Yeas 107 Nays 0 Excused 0 Not Voting 3

Passed 107 Yea · 0 Nay
Party YeaNayPresentNot Voting
Republican 56000
Democrat 49000
Unaffiliated 2000
Total 107000
% of votes cast 100%0%0%0%
How each member voted (107)
Member Party Vote
Myers-Phillips — Yea
St. Germaine — Yea
Alabas Farhat Democrat Yea
Amos O'Neal Democrat Yea
Angela Witwer Democrat Yea
Betsy Coffia Democrat Yea
Brenda Carter Democrat Yea
Carol Glanville Democrat Yea
Carrie Rheingans Democrat Yea
Cynthia Neeley 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
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 Yea
Douglas C Wozniak Republican Yea
Gina Johnsen Republican Yea
Greg VanWoerkom Republican Yea
Gregory Alexander Republican Yea
Gregory Markkanen Republican Yea
Jaime Greene Republican Yea
James DeSana 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
Pat Outman Republican Yea
Pauline Wendzel Republican Yea
Phil Green Republican Yea
Rachelle Smit 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

Passed 107 Yea · 0 Nay · 3 Other
Party YeaNayPresentNot Voting
Republican 55000
Democrat 48000
Unaffiliated 4000
Total 107000
% of votes cast 100%0%0%0%
How each member voted (107)
Member Party Vote
Myers-Phillips — Yea
O’Neal — Yea
Outman — Yea
St. Germaine — Yea
Alabas Farhat Democrat Yea
Angela Witwer Democrat Yea
Betsy Coffia Democrat Yea
Brenda Carter Democrat Yea
Carol Glanville Democrat Yea
Carrie Rheingans Democrat Yea
Cynthia Neeley 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
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 Yea
Douglas C Wozniak Republican Yea
Gina Johnsen Republican Yea
Greg VanWoerkom Republican Yea
Gregory Alexander Republican Yea
Gregory Markkanen Republican Yea
Jaime Greene Republican Yea
James DeSana 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
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

finance labor
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 5781 do?
Financial institutions: credit unions; insurance from a qualified private insurance organization; allow for foreign credit unions. Amends sec. 501 of 2003 PA 215 (MCL 490.501). TIE BAR WITH: HB 5779'26, HB 5780'26, HB 5782'26, HB 5783'26
Who sponsors HB 5781?
HB 5781 is sponsored by Bill Schuette (Republican).
What is the current status of HB 5781?
This bill has passed the House. Introduced June 23, 2026. It now moves to the second chamber.
Where can I track HB 5781?
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Last checked for changes 3 months ago · updated continuously

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