Michigan HB6197: Financial institutions: mortgage brokers and lenders; consolidation of certain licensing statutes related to residential mortgages; make conforming changes in RS 1846 ch 65. Amends sec. 25 of 1846 RS 65 (MCL 565.25). TIE BAR WITH: HB 6177'26

What the bill says

To amend 1846 RS 65, entitled "Of alienation by deed, and the proof and recording of conveyances, and the canceling of mortgages," by amending section 25 (MCL 565.25), as amended by 2008 PA 357.

From the introduced text, July 3, 2026:

A bill to amend 1846 RS 65, entitled "Of alienation by deed, and the proof and recording of conveyances, and the canceling of mortgages," by amending section 25 (MCL 565.25), as amended by 2008 PA 357. the people of the state of michigan enact: Sec. 25. (1) Except as otherwise provided in subsection (2), the recording of a levy, attachment, lien, lis pendens, sheriff's certificate, marshal's certificate, or other instrument of encumbrance does not perfect the instrument of encumbrance unless both of the following are found by a court of competent jurisdiction to have accompanied the instrument when it was delivered to the register under section 24(1) of this chapter: (a) A full and fair accounting of the facts that support recording of the instrument of encumbrance and supporting documentation, as available. (b) Proof of service that actual notice has been given to the recorded landowner of the land to which the instrument of encumbrance applies. (2) Subsection (1) does not apply to any of the following: (a) A tax lien that is not required to be recorded pursuant to under the general property tax act, 1893 PA 206, MCL 211.1 to 211.155. (b) The filing of an instrument of encumbrance that is authorized by a state statute or federal statute. (c) The filing of a consensual agreement to encumber …

Read the full official text

Sponsors

• Fairbairn, Parker (R, 107) · primary sponsor
• Tisdel, Mark (R, 55)

Latest actions

1. July 3, 2026: bill electronically reproduced 07/03/2026
2. July 3, 2026: referred to Committee on Finance
3. July 3, 2026: read a first time
4. July 3, 2026: introduced by Representative Rep. Parker Fairbairn

Common questions

What is HB6197?

HB6197 is a bill in the Michigan Legislature (103rd Legislature): Financial institutions: mortgage brokers and lenders; consolidation of certain licensing statutes related to residential mortgages; make conforming changes in RS 1846 ch 65. Amends sec. 25 of 1846 RS 65 (MCL 565.25). TIE BAR WITH: HB 6177'26.

What does HB6197 do?

In its own words: To amend 1846 RS 65, entitled "Of alienation by deed, and the proof and recording of conveyances, and the canceling of mortgages," by amending section 25 (MCL 565.25), as amended by 2008 PA 357.

What is the status of HB6197?

In committee as of July 3, 2026. Latest action: bill electronically reproduced 07/03/2026 (July 3, 2026).

Who sponsored HB6197?

Fairbairn, Parker (R, 107), with 1 co-sponsor.

Where is the official record for HB6197?

On the Michigan Legislature website: https://www.legislature.mi.gov/Bills/Bill?ObjectName=2026-HB-6197