HB 4051 Summary

• Expands Michigan Consumer Protection Act to apply to unfair, unconscionable, or deceptive methods, acts, or practices by companies engaged in trade or commerce, creating a cause of action against violators.

• Exempts methods, acts, or practices expressly permitted by state or federal statute, rule, or regulation from the Consumer Protection Act's application.

• Exempts publications and advertisements by newspapers, periodicals, radio or television stations, and other media unless the publisher knows or should know the advertisement is false, misleading, or deceptive, or has a direct financial interest in the advertised goods or services.

• Removes the exemption for unfair, unconscionable, or deceptive practices made unlawful by Chapter 20 of the Insurance Code (MCL 500.2001 to 500.2093), making such practices subject to Consumer Protection Act enforcement.

• Places the burden of proof on any person claiming an exemption or exception to demonstrate that the exemption applies.