Michigan House Bill 4715 expands liability protections for reporting insurance fraud

Original title: Insurance: other; sharing of information concerning suspected or completed insurance fraud; allow.

Last action · September 18, 2025: REFERRED TO COMMITTEE ON FINANCE, INSURANCE, AND CONSUMER PROTECTIONSponsors: Brenda Carter and 9 others

Bill progressHistory & official text ↓

Introduced

Committee

Floor Vote

Passed

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What This Bill Would Do

Michigan House Bill 4715 protects individuals, insurers, and authorized agencies from and tort claims when they share information regarding suspected insurance fraud . The bill updates immunity provisions under section 4509 of the insurance code of 1956.

Why it matters

The measure determines whether private citizens and insurers can be sued for defamation or other civil torts when cooperating with fraud investigations conducted by regulatory bodies or industry organizations.

Who It Would Affect

Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.

Directly affected

Insurers

Insurers and their personnel are granted explicit protection from civil liability and tort claims when sharing suspected insurance fraud information with authorized entities.

Directly affected

Private Persons Cooperating with Investigations

Private individuals who furnish evidence or cooperate with fraud investigations are shielded from civil suits and libel claims if they act without malice.

Key Facts

Individuals acting without malice are exempt from liability when filing reports or sharing information concerning suspected insurance fraud with designated entities, unless the report contains known false material information.
Insurers, officers, employees, agents, and private persons cooperating with authorized agencies, the National Association of Insurance Commissioners, or the National Insurance Crime Bureau are protected from civil liability for testimony or evidence provided in the absence of malice.
Insurers and cooperating persons are granted immunity from libel, slander, or other tort actions for cooperating with an investigation or examination, provided they do not knowingly provide false material information.
Authorized agencies, the National Association of Insurance Commissioners, the National Insurance Crime Bureau, and their employees or agents are shielded from civil liability for official publication of reports or bulletins, barring knowledge of false material information.

Show all 5 facts

The statute explicitly maintains that existing common law or statutory privileges and immunities are not abrogated or modified.

Frequently Asked Questions

Who receives protection from civil liability under this bill?

Persons, insurers, officers, employees, agents, and authorized agencies that report, furnish evidence, or cooperate with insurance fraud investigations are protected, as long as they do not knowingly provide false information.

What happens if someone intentionally provides false information about insurance fraud?

The civil immunity and liability protections do not apply if the person knows that the report, evidence, testimony, or other matter contains false information pertaining to any material fact.

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Where This Stands

Currently passed both. The next step in the legislative lifecycle is Law.

Procedural history

13 actions

Sep 18, 2025SenateCommittee
REFERRED TO COMMITTEE ON FINANCE, INSURANCE, AND CONSUMER PROTECTION
Sep 18, 2025SenateFloor
PASSED BY HOUSE WITH IMMEDIATE EFFECT
Sep 16, 2025House
transmitted
Sep 16, 2025HouseFloor
passed; given immediate effect Roll Call #208 Yeas 101 Nays 2 Excused 0 Not Voting 7
Sep 16, 2025HouseFloor
read a third time
Sep 9, 2025House
placed on third reading

Show 7 earlier actions

Sep 9, 2025HouseFloor
read a second time
Sep 3, 2025House
referred to second reading
Sep 3, 2025HouseCommittee
reported with recommendation without amendment
Jul 15, 2025House
bill electronically reproduced 07/01/2025
Jul 1, 2025HouseCommittee
referred to Committee on Insurance
Jul 1, 2025HouseIntroduced
read a first time
Jul 1, 2025HouseIntroduced
introduced by Representative Rep. Brenda Carter

Version history

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