House Bill 5615 Summary

• Amends the Michigan Consumer Protection Act to add new unfair trade practices, including provisions regarding environmental marketing claims for recycled and degradable products (referencing federal guidelines 16 CFR part 260).

• Adds restrictions on prize offerings requiring sales presentations, mandating written disclosures in at least 10-point bold type that fully describe the prize value, terms, conditions, and the sales presentation requirement.

• Establishes an opt-out requirement for sharing nonpublic personal financial information with third parties, allowing consumers 90 days to object in writing after receiving notice of proposed disclosure.

• Prohibits merchants from requiring consumers to disclose social security numbers as a condition of sale or service, with exceptions for credit transactions, legally required disclosures, background checks, and fraud prevention services.

• Takes effect 90 days after enactment and applies to consumer transactions occurring on or after the effective date.