Michigan
Michigan Scam and Fraud Laws: Where to Report, Your Right to Sue (2026)
Independently fact-checked against primary sources (last audited October 3, 2026). · 18 primary sources cited on this page. How we verify our legal content
Michigan's Consumer Protection Act (MCPA) lets "a person who suffers loss" from a violation of the act sue for actual damages or $250, whichever is greater, together with reasonable attorney fees. The catch is scope: the act reaches deceptive conduct in "trade or commerce," which Michigan law defines as the conduct of a business providing goods, property or service primarily for personal, family or household purposes. A loss to a business selling consumer goods or services can fit; whether a one-off theft by an impostor with no business behind it fits is a question for a Michigan lawyer.
Michigan also lets a bank or credit union delay a transaction it suspects is financial exploitation of a vulnerable adult, and requires brokers and investment advisers to report suspected exploitation. Complaints about scams go to the Michigan Attorney General, which informally mediates complaints with businesses but says it "cannot act as a private attorney on your behalf."
Information last verified on October 2, 2026. This article has not been reviewed by a licensed lawyer.
Jurisdiction scope: This guide covers Michigan state law: the Michigan Consumer Protection Act (MCL 445.901 and following), Michigan complaint offices, Michigan protections for vulnerable adults, pending Michigan crypto kiosk bills, and Michigan court limits and deadlines for suing. Federal refund and reporting rights are summarized briefly and covered in depth on our national guides. Out of scope: criminal defense, and the law of other states (if the scammer or business is elsewhere, that state's law may also matter).
First steps if you were scammed in Michigan
Contact the bank, card issuer, payment app, wire company or crypto exchange that moved your money right away, because that company is usually the one that can stop or reverse a payment. Your federal rights depend on how you paid; our guide on how to get money back after a scam walks through each payment method, and the Zelle and payment app guide covers app transfers.
Then report the scam. Most scams go to the FTC at ReportFraud.ftc.gov and online crime to the FBI's IC3; our where to report a scam guide lists every federal channel. The Michigan offices below are in addition to those, not instead of them. The scams and fraud hub covers the common scam types.
Where to report a scam in Michigan
| What happened | Michigan office | What it does with your report |
|---|---|---|
| A business or person scammed you, misled you, or you did not get what you paid for | Michigan Department of Attorney General, Consumer Protection (online complaint form, toll free 877-765-8388) | Informally mediates complaints with the business. If the business does not respond within 30 days, the office recontacts it. It cannot act as your private attorney. |
| A problem with a bank, credit union, mortgage or other consumer financial product | Michigan Department of Insurance and Financial Services (DIFS), Office of Consumer Services, 877-999-6442 (Monday through Friday, 8 a.m. to 5 p.m.) | Investigates consumer complaints about insurance, banks, credit unions, mortgages and other consumer financial products. DIFS encourages you to try the company first. |
| An older or vulnerable adult is being financially exploited | Michigan Department of Health and Human Services, Adult Protective Services, 855-444-3911 (any time, day or night) | Takes reports of abuse, neglect and exploitation. The department says staff investigate allegations within 24 hours after the report is received. |
The Attorney General's Consumer Protection office describes its role this way: "The Attorney General's office helps consumers by informally mediating complaints... However, if our mediation is not successful, the Attorney General cannot act as a private attorney on your behalf." If mediation fails, the office suggests you "may then want to consider filing suit in Small Claims Court or consulting with a private attorney." The office says its Consumer Protection Team "receives thousands of consumer complaints," so processing can take a few weeks.
That makes an Attorney General complaint most useful against a business with a name and an address that may respond to mediation. Against an anonymous impostor, it is a report, not a refund request; your payment company and a fast report are where your effort pays off.
Michigan's consumer protection law: can you sue?
Sometimes, depending on who scammed you and what kind of transaction it was. The private action is in MCL 445.911(2):
"Except in a class action or as otherwise provided in subsection (3), a person who suffers loss as a result of a violation of this act may bring an action to recover actual damages or $250.00, whichever is greater, together with reasonable attorney fees."
Under section 445.911(1), a person may also sue for a declaratory judgment that a practice is unlawful, or to stop (enjoin) it.
Who can sue, and what the act covers
The act does not limit the private action to a defined "consumer." Section 445.911(2) speaks of "a person who suffers loss," and "person" is defined broadly in MCL 445.902(1)(d) as "an individual, corporation, limited liability company, trust, partnership, incorporated or unincorporated association, or other legal entity."
The limit is the kind of conduct. A violation of the act has to occur in trade or commerce, which section 445.902(1)(g) defines as:
"the conduct of a business providing goods, property, or service primarily for personal, family, or household purposes and includes the advertising, solicitation, offering for sale or rent, sale, lease, or distribution of a service or property, tangible or intangible, real, personal, or mixed, or any other article, or a business opportunity."
So the act is built for deception by a business in consumer transactions: a seller, a contractor, a service company, a business opportunity pitch. A scam where someone simply impersonated a relative or a government agency and took your money, with no business providing goods or services behind it, may not fit that definition. We have not reviewed Michigan cases on that question; a Michigan lawyer can tell you whether your situation fits.
Exclusions
Section 445.904 removes some transactions from the act. Section 445.904(1)(a) says the act does not apply to:
"A transaction or conduct specifically authorized under laws administered by a regulatory board or officer acting under statutory authority of this state or the United States."
Section 445.904(2) adds a second exclusion for practices made unlawful by the banking code of 1999, the savings bank act, the credit union act and other listed laws, but it begins "Except for the purposes of an action filed by a person under section 11." In the text, that exclusion does not bar a private lawsuit under section 445.911. Section 445.904(3) has no such carve-out: the act does not apply to or create a cause of action for a practice made unlawful by chapter 20 of the insurance code (MCL 500.2001 to 500.2093) that occurred on or after March 28, 2001. Under section 445.904(4), "The burden of proving an exemption from this act is upon the person claiming the exemption."
How Michigan courts have applied the section 445.904(1)(a) exclusion to particular businesses is beyond what we reviewed for this page. If the business that deceived you is licensed or regulated (an insurer or lender, for example), ask a Michigan lawyer whether the exclusion applies.
What you can recover
For an ordinary violation, section 445.911(2) provides actual damages or $250, whichever is greater, "together with reasonable attorney fees." There is no triple-damages provision for ordinary violations. A separate subsection, 445.911(3), allows a $5,000 minimum and punitive damages, but only for violations of section 3l, a provision about third-party food delivery services; it does not apply to scams generally.
One limit to know: under section 445.911(8), if the defendant shows by a preponderance of the evidence that the violation resulted from a bona fide error despite procedures reasonably adapted to avoid it, "the amount of recovery is limited to actual damages." The text of section 445.911 contains no requirement to send a demand letter before suing.
The deadline
Section 445.911(9) sets the clock:
"An action under this section must not be brought more than 6 years after the occurrence of the method, act, or practice that is the subject of the action or more than 1 year after the last payment in a transaction involving the method, act, or practice that is the subject of the action, whichever period of time ends at a later date."
If you were still making payments on a deceptive contract, the one-year-after-last-payment period can run later than six years from the original deception. Act early anyway; evidence and defendants disappear.
The honest limit
An MCPA case needs a defendant you can identify, serve and collect from. That often works against a Michigan business or contractor with a real address. It usually does not work against an anonymous scammer who called from a spoofed number or vanished with crypto, and a judgment does not help if nobody can be found to pay it.
Protections for older and vulnerable adults in Michigan
It is a crime. MCL 750.174a(1) says:
"A person shall not through fraud, deceit, misrepresentation, coercion, or unjust enrichment obtain or use or attempt to obtain or use a vulnerable adult's money or property to directly or indirectly benefit that person knowing or having reason to know the vulnerable adult is a vulnerable adult."
The penalty grows with the amount taken:
| Value of money or property | Classification and maximum prison term |
|---|---|
| Less than $200 | Misdemeanor, up to 93 days |
| $200 to less than $1,000 | Misdemeanor, up to 1 year |
| $1,000 to less than $20,000 | Felony, up to 5 years |
| $20,000 to less than $50,000 | Felony, up to 10 years |
| $50,000 to less than $100,000 | Felony, up to 15 years |
| $100,000 or more | Felony, up to 20 years |
Each level also carries a fine of up to a fixed dollar amount or three times the value involved, whichever is greater (for example, up to $500 or three times the value at the lowest level). Prior convictions raise the level. Amounts taken in separate incidents within any 12-month period may be added together, and if the scheme targets only one person, "no time limit applies" to that aggregation (section 750.174a(8)). Fines go to the state; this is a criminal penalty, not money paid to the victim.
Who counts as a vulnerable adult. Age alone is not enough under the criminal law. Section 750.174a uses the penal code definition in MCL 750.145m, which covers "An individual age 18 or over who, because of age, developmental disability, mental illness, or physical disability requires supervision or personal care or lacks the personal and social skills required to live independently," along with adults in two other defined categories. It applies whether or not a court has found the person incapacitated.
Report it. Call Adult Protective Services at 855-444-3911, any time. For fraud against anyone 60 or older, the federal DOJ National Elder Fraud Hotline (833-372-8311) can also help you report; see where to report a scam.
Banks and credit unions: training, reporting and holds
Michigan's Financial Exploitation Prevention Act (MCL 487.2081 and following, in effect since September 26, 2021) uses its own definition: a vulnerable adult is "an adult who, because of mental or physical impairment or advanced age, is unable to protect himself or herself from covered financial exploitation" (MCL 487.2083(i)). Covered financial exploitation means "financial exploitation of an individual through deception, manipulation, coercion, intimidation, or improper leveraging of a caregiver relationship" (MCL 487.2083(c)).
Under MCL 487.2085(1), a financial institution "shall develop and implement a policy for training relevant employees to recognize signs of covered financial exploitation" and for reporting that activity to a law enforcement agency or adult protective services. The policy must cover vulnerable adults at a minimum.
The hold is in MCL 487.2087. The institution "may delay the related transaction for further investigation," following its account terms. Where there is no account agreement that covers it:
"If there is not an applicable account or service agreement ... the financial institution may delay an individual transaction or place a freeze ... for up to 10 business days, or according to the terms of any applicable court order."
The delay can be extended if law enforcement or adult protective services tells the institution the matter is under investigation. Two cautions. The hold is permissive ("may"), not required. And under MCL 487.2089(5), "There is no private right of action against a financial institution" under the act; only the state or federal regulator that oversees the institution enforces it.
If you are worried about a parent's account, tell the bank directly that you suspect a scam, and report to APS.
Brokers and investment advisers
MCL 451.2533, a section added to Michigan's Uniform Securities Act effective March 13, 2024, lets a broker-dealer or investment adviser delay a disbursement or transaction it suspects involves financial exploitation. The delay expires "Not later than 15 business days" after it begins, and can be extended for not longer than 40 more business days if the firm's investigation supports its suspicion, and further while an agency reports it is investigating. The firm must give written notice within 2 business days. Section 451.2533(6) makes reporting mandatory: a broker-dealer or investment adviser that "suspects or detects covered financial exploitation of a vulnerable adult" must "report that activity to a law enforcement agency or adult protective services."
Crypto ATMs (virtual currency kiosks) in Michigan
As of October 2, 2026, the crypto kiosk bills we checked in the Michigan Legislature are pending in committee, not law. According to the Legislature's bill pages:
- HB 6222, which would create a cryptocurrency exchange kiosk regulation act, was introduced July 16, 2026 and referred to the Committee on Regulatory Reform. A tie-barred bill, HB 6223, would make violations a Consumer Protection Act violation; it has the same status.
- HB 5469 (virtual currency kiosk protections, introduced January 22, 2026) and HB 5470 (which would bring kiosks under the money transmitter act's licensing) were referred to the Committee on Regulatory Reform.
- HB 5986 and HB 6077, which would prohibit kiosks, were referred to the Committee on Regulatory Reform.
- SB 980 would prohibit installing or operating kiosks; it was referred to the Senate Committee on Finance, Insurance, and Consumer Protection.
Some online summaries say HB 6222 became law. The Legislature's own bill history shows it only introduced and referred to committee. We will update this page if any of these bills is enacted. For how crypto scams work and what to do after one, see our crypto and investment scams guide.
Suing a scammer or a business in Michigan
Small claims. Michigan's district courts have a small claims division for money claims where "the amount claimed does not exceed" the statutory limit, which has been $7,000 since January 1, 2024 (MCL 600.8401). The Attorney General's office points consumers there when mediation fails.
Deadlines. An MCPA claim has the 6-year or 1-year-after-last-payment limit above. For other civil claims, MCL 600.5813 is Michigan's catch-all: personal actions "shall be commenced within the period of 6 years after the claims accrue and not afterwards unless a different period is stated in the statutes." Whether that period, or a different one, governs your particular fraud claim is a question for a Michigan lawyer.
If the person who is liable "fraudulently conceals the existence of the claim or the identity of any person who is liable," MCL 600.5855 lets you sue "at any time within 2 years after the person who is entitled to bring the action discovers, or should have discovered," the claim or the person's identity, even if the claim would otherwise be barred. Our Michigan statute of limitations guide covers other civil deadlines.
Who you can actually reach. Lawsuits work against people and businesses with a name, an address and assets. A scammer who hid behind a fake identity, a spoofed caller ID or an overseas account is usually not reachable through a Michigan court. For when a lawyer is worth calling, see when a lawyer helps after a scam.
Related guides
- Scams and fraud: your rights and where to start
- How to get money back after a scam
- Where to report a scam
- Elder fraud
- Bank refused a scam refund
- A scammer has my information
- Michigan identity theft laws
- Michigan debt collection laws
- Michigan statute of limitations
Last updated: October 2, 2026.
This article is general legal information, not legal advice. For your specific situation, contact your payment company, the Michigan office named above, or a lawyer licensed in Michigan.
Frequently Asked Questions
Can I sue a scammer in Michigan?
Possibly, if you can identify and serve them. Under MCL 445.911(2), a person who suffers loss from a violation of the Michigan Consumer Protection Act may sue, but the act covers conduct of a business providing goods, property or service primarily for personal, family or household purposes, so a scam with no business behind it may not fit. An anonymous or overseas scammer is usually not reachable through a Michigan court.
How much can I recover under the Michigan Consumer Protection Act?
Actual damages or $250, whichever is greater, together with reasonable attorney fees, under MCL 445.911(2). The act has no triple-damages provision for ordinary violations.
How long do I have to sue under the Michigan Consumer Protection Act?
Six years after the deceptive practice, or one year after the last payment in the transaction, whichever ends later (MCL 445.911(9)).
Does the Michigan Consumer Protection Act cover every business?
No. MCL 445.904(1)(a) excludes a transaction or conduct specifically authorized under laws administered by a state or federal regulatory board or officer, and the business claiming an exemption has the burden of proving it. Ask a Michigan lawyer how the exclusion applies to a regulated business.
Will the Michigan Attorney General get my money back?
The office informally mediates complaints with the business, but it says that if mediation is not successful it cannot act as a private attorney on your behalf. File online or call 877-765-8388, and contact your payment company for a reversal.
Who do I call if an elderly person in Michigan is being scammed?
Call Adult Protective Services at 855-444-3911, any time day or night. The DOJ National Elder Fraud Hotline (833-372-8311) also helps with fraud against anyone 60 or older.
Can a Michigan bank hold a transaction if it suspects elder fraud?
Yes, it may. Under MCL 487.2087, a bank or credit union may delay a transaction it suspects is financial exploitation; with no account agreement covering it, for up to 10 business days, extendable while law enforcement or APS investigates.
Is financially exploiting a vulnerable adult a crime in Michigan?
Yes. MCL 750.174a makes it a crime to obtain a vulnerable adult's money or property through fraud, deceit, misrepresentation, coercion or unjust enrichment. Penalties run from a misdemeanor to a 20-year felony depending on the amount.
Does Michigan regulate crypto ATMs?
As of October 2, 2026, Michigan's crypto kiosk bills, including HB 6222, HB 5469 and SB 980, are pending in committee according to the Legislature's bill pages. They are not law.
What is the small claims limit in Michigan?
$7,000, since January 1, 2024, under MCL 600.8401.
Updates
Independently fact-checked against the cited primary sources
The Law Behind This Article
This article rests on the statutory provisions below, held in our own legal record and retrieved from the official source. Tap a section to read the operative text.
Michigan Compiled Laws
§ 445.911Action by person for declaratory judgment, injunction, or actual damages; class action by person for actual damages; order; hearing; receiver; sequestration of assets; cost of notice; limitationsIn forcecited in 3 of our articles
(1) Whether or not a person seeks damages or has an adequate remedy at law, a person may bring an action to do either or both of the following: (a) Obtain a declaratory judgment that a method, act, or practice is unlawful under section 3. (b) Enjoin in accordance with the principles of equity a person who is engaging or is about to engage in a method, act, or practice that is unlawful under section 3. (2) Except in a class action or as otherwise provided in subsection (3), a person who suffers loss as a result of a violation of this act may bring an action to recover actual damages or $250.00, whichever is greater, together with reasonable attorney fees. (3) Except in a class action, a person who suffers a loss as a result of a violation of section 3l may bring an action to recover actual damages or $5,000.00, whichever is greater, together with reasonable attorney fees. In an action brought under this subsection, the court may, in its discretion, award punitive damages.
Official text (excerpt) · last checked 2026-07-30 · Read the full text in our law library · Verify at legislature.mi.gov
Cited in 89 court opinions in our collectionLatest citing opinion in our collection: 2026
Opinions citing this section in our collection:
- Smith v. Globe Life Insurance (Michigan Supreme Court 1999, 460 Mich. 446)“…cept for the purposes of an action filed by a person under [MCL 445.911; MSA 19.418(11)], this act does not app…”
- Gorman v. American Honda Motor Co. (Michigan Court of Appeals 2013, 302 Mich. App. 113)“…be awarded under the MCPA without proof of actual damages. MCL 445.911(2). 5 Here, plaintiff failed to presen…”
- Dell v. Citizens Insurance Company of America (Michigan Court of Appeals 2015, 312 Mich. App. 734)“…ontested the amendment, arguing that it was time- barred by MCL 445.911(7). The trial court granted leave to am…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Also relied on in: Michigan Biometric Privacy Laws: Collection, Consent & Penalties (2026)
§ 445.902DefinitionsIn force
(1) As used in this act: (a) Subject to subsection (2), "business opportunity" means the sale or lease of any products, equipment, supplies, or services for the purpose of enabling the purchaser to start a business, and in which the seller represents 1 or more of the following: (i) That the seller will provide locations or assist the purchaser in finding locations for the use or operation of vending machines, racks, display cases, or other similar devices, or currency operated amusement machines or devices, on premises neither owned nor leased by the purchaser or seller. (ii) That the seller may, in the ordinary course of business, purchase any or all products made, produced, fabricated, grown, bred, or modified by the purchaser using whole or in part the supplies, services, or chattels sold to the purchaser.
Official text (excerpt) · last checked 2026-07-30 · Read the full text in our law library · Verify at legislature.mi.gov
§ 445.904Exemptions; burden of proofIn force
(1) This act does not apply to either of the following: (a) A transaction or conduct specifically authorized under laws administered by a regulatory board or officer acting under statutory authority of this state or the United States. (b) An act done by the publisher, owner, agent, or employee of a newspaper, periodical, directory, radio or television station, or other communications medium in the publication or dissemination of an advertisement unless the publisher, owner, agent, or employee knows or, under the circumstances, reasonably should know of the false, misleading, or deceptive character of the advertisement or has a direct financial interest in the sale or distribution of the advertised goods, property, or service. (2) Except for the purposes of an action filed by a person under section 11, this act does not apply to or create a cause of action for an unfair, unconscionable, or deceptive method, act, or practice that is made unlawful by any of the following: (a) The banking code of 1999, 1999 PA 276, MCL 487.11101 to 487.15105. (b) 1939 PA 3, MCL 460.1 to 460.11. (c) The motor carrier act, 1933 PA 254, MCL 475.1 to 479.43.
Official text (excerpt) · last checked 2026-07-30 · Read the full text in our law library · Verify at legislature.mi.gov
§ 750.174aVulnerable adult; prohibited conduct; violation; penalty; enhanced sentence; exceptions; consecutive sentence; definitions; report by office of services to the aging to department of human servicesIn force
(1) A person shall not through fraud, deceit, misrepresentation, coercion, or unjust enrichment obtain or use or attempt to obtain or use a vulnerable adult's money or property to directly or indirectly benefit that person knowing or having reason to know the vulnerable adult is a vulnerable adult. (2) If the money or property used or obtained, or attempted to be used or obtained, has a value of less than $200.00, the person is guilty of a misdemeanor punishable by imprisonment for not more than 93 days or a fine of not more than $500.00 or 3 times the value of the money or property used or obtained or attempted to be used or obtained, whichever is greater, or both imprisonment and a fine. (3) If any of the following apply, the person is guilty of a misdemeanor punishable by imprisonment for not more than 1 year or a fine of not more than $2,000.00 or 3 times the value of the money or property used or obtained or attempted to be used or obtained, whichever is greater, or both imprisonment and a fine: (a) The money or property used or obtained, or attempted to be used or obtained, has a value of $200.00 or more but less than $1,000.00.
Official text (excerpt) · last checked 2026-07-30 · Read the full text in our law library · Verify at legislature.mi.gov
§ 487.2087Investigations; delay or freeze on transactions; exceptionIn force
(1) Except as otherwise provided in this subsection, and subject to subsection (3), if a financial institution suspects or detects covered financial exploitation of a member or customer, the financial institution may delay the related transaction for further investigation or examination of available facts. Upon investigation or examination of available facts, if the financial institution still suspects or has detected covered financial exploitation of the member or customer, the financial institution may either continue the delay of related transactions under this subsection or place a freeze on any transactions or assets related to that member's or customer's accounts, individually or jointly held, as provided in this subsection. Any delay or freeze placed by the financial institution must be done according to the terms of any account or service agreement between the financial institution and the member or customer.
Official text (excerpt) · last checked 2026-07-30 · Read the full text in our law library · Verify at legislature.mi.gov
§ 487.2085Training for signs of covered financial exploitation of members or customers; requirements; reporting; notification; disclosure and identification of reporting individualIn force
(1) A financial institution shall develop and implement a policy for training relevant employees to recognize signs of covered financial exploitation of members or customers of the financial institution, and for reporting that activity to a law enforcement agency or adult protective services. A policy described in this subsection must, at a minimum, include training on and procedures for reporting covered financial exploitation of vulnerable adults, but may include any other categories of potentially affected members or customers or apply generally to all members or customers of the financial institution and must provide for all of the following: (a) Employee training, including, but not limited to, instruction on all of the following: (i) Common types of covered financial exploitation. (ii) Signs of potential covered financial exploitation. (iii) Relevant federal advisory opinions or guidance on elder financial exploitation. (iv) Internal procedures developed under subdivisions (b) to (d). (v) Reporting procedures under subdivision (f). (b) Procedures to follow when covered financial exploitation of a member or customer is suspected or detected based on available facts.
Official text (excerpt) · last checked 2026-07-30 · Read the full text in our law library · Verify at legislature.mi.gov
§ 487.2083DefinitionsIn force
As used in this act: (a) "Adult protective services" means the office, division, or unit under the department of health and human services that is charged with investigation of abuse, neglect, or exploitation of vulnerable persons under the social welfare act, 1939 PA 280, MCL 400.1 to 400.119b. (b) "Caregiver" means a parent or other relative responsible for the health and safety of an individual, or a guardian, conservator, or any other person with legal or fiduciary obligations to an individual. (c) "Covered financial exploitation" means financial exploitation of an individual through deception, manipulation, coercion, intimidation, or improper leveraging of a caregiver relationship. (d) "Examination and enforcement authority" means 1 of the following: (i) For the department of insurance and financial services, any and all applicable authority provided under the credit union act, 2003 PA 215, MCL 490.101 to 490.601 or the banking code of 1999, 1999 PA 276, MCL 487.11101 to 487.15105. (ii) For the National Credit Union Administration, any and all applicable authority provided under the federal credit union act, 12 USC 1751 to 1795k.
Official text (excerpt) · last checked 2026-07-30 · Read the full text in our law library · Verify at legislature.mi.gov
§ 451.2533Delayed disbursement; suspected or detected financial exploitation; expiration of delay; investigation; written notification; reporting; requirementsIn force
(1) Subject to subsection (4), if a broker-dealer or investment adviser suspects or detects covered financial exploitation of a client or customer, the broker-dealer or investment adviser may delay the related disbursement or transaction for further investigation or examination of available facts. On investigation or examination of available facts, if the broker-dealer or investment adviser still suspects or detects covered financial exploitation of a client or customer, the broker-dealer or investment adviser may continue the delay of the related disbursement or transaction under this subsection. (2) A delay authorized under this section expires on either of the following: (a) The day a broker-dealer or investment adviser determines that the disbursement or transaction will not result in covered financial exploitation of the client or customer. (b) Not later than 15 business days after the date that the broker-dealer or investment adviser first delayed the disbursement or transaction, unless otherwise terminated or extended under subsection (3) or (4), or by court order.
Official text (excerpt) · last checked 2026-07-30 · Read the full text in our law library · Verify at legislature.mi.gov
§ 600.8401Small claims division; creation; judge; jurisdictionIn force
A small claims division is created in each district as a division of the district court. A judge of the district court shall sit as judge of the small claims division. The jurisdiction of the small claims division shall be confined to cases for the recovery of money in which the amount claimed does not exceed the following: (a) Beginning September 1, 2012, $5,000.00. (b) Beginning January 1, 2015, $5,500.00. (c) Beginning January 1, 2018, $6,000.00. (d) Beginning January 1, 2021, $6,500.00 (e) Beginning January 1, 2024, $7,000.00.
Official text (excerpt) · last checked 2026-07-30 · Read the full text in our law library · Verify at legislature.mi.gov
§ 600.5813Other personal actionsIn forcecited in 4 of our articles
All other personal actions shall be commenced within the period of 6 years after the claims accrue and not afterwards unless a different period is stated in the statutes.
Official text (excerpt) · last checked 2026-07-30 · Read the full text in our law library · Verify at legislature.mi.gov
Cited in 207 court opinions in our collectionLatest citing opinion in our collection: 2026
Opinions citing this section in our collection:
- Adams v. Adams (Michigan Court of Appeals 2007, 276 Mich. App. 704)“…roperly applied the residual six-year limitations period of MCL 600.5813. Defendants secondarily assert that eve…”
- City of Detroit v. Walker (Michigan Supreme Court 1994, 445 Mich. 682)“…troactive reach of 1988 PA 202 has statutory limitations. MCL 600.5813; MSA 27A.5813 provides that personal ac…”
- Terlecki v. Stewart (Michigan Court of Appeals 2008, 278 Mich. App. 644)“…f limitations applicable to “[a]ll other personal actions.” MCL 600.5813. The statutes of limitations “apply equ…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Also relied on in: Michigan Statute of Limitations: Filing Deadlines by Case Type, Michigan Debt Collection Laws: Wage Garnishment, Statute of Limitations, and Repossession
§ 600.5855Fraudulent concealment of claim or identity of person liable; discoveryIn forcecited in 3 of our articles
If a person who is or may be liable for any claim fraudulently conceals the existence of the claim or the identity of any person who is liable for the claim from the knowledge of the person entitled to sue on the claim, the action may be commenced at any time within 2 years after the person who is entitled to bring the action discovers, or should have discovered, the existence of the claim or the identity of the person who is liable for the claim, although the action would otherwise be barred by the period of limitations.
Official text (excerpt) · last checked 2026-07-30 · Read the full text in our law library · Verify at legislature.mi.gov
Cited in 193 court opinions in our collectionLatest citing opinion in our collection: 2026
Opinions citing this section in our collection:
- Trentadue v. Buckler Automatic Lawn Sprinkler Company (Michigan Supreme Court 2007, 479 Mich. 378)“…or the identity of any person who is liable for the claim, MCL 600.5855. Significantly, none of these tolling…”
- Lothian v. City of Detroit (Michigan Supreme Court 1982, 414 Mich. 160)“…defendant's fraudulent concealment of the cause of action, MCL 600.5855; MSA 27A.5855; and when the complaint h…”
- Meyer & Anna Prentis Family Foundation, Inc. v. Barbara Ann Karmanos Cancer Institute (Michigan Court of Appeals 2005, 266 Mich. App. 39)“…e ground that the period of limitations had expired because MCL 600.5855 operated to toll any period of limitati…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Search our full record of US law — 2.1 million sections, every state + federal →
Sources and References
- MCL 445.911, Michigan Consumer Protection Act, private actions(legislature.mi.gov).gov
- MCL 445.902, Michigan Consumer Protection Act, definitions(legislature.mi.gov).gov
- Michigan Department of Attorney General, Consumer Protection(michigan.gov).gov
- Michigan DIFS, File a complaint(michigan.gov).gov
- Michigan DHHS, Adult Protective Services(michigan.gov).gov
- MCL 445.904, Michigan Consumer Protection Act, exemptions(legislature.mi.gov).gov
- MCL 750.174a, Financial exploitation of a vulnerable adult(legislature.mi.gov).gov
- MCL 487.2083, Financial Exploitation Prevention Act, definitions(legislature.mi.gov).gov
- MCL 487.2085, Financial Exploitation Prevention Act, training and reporting policy(legislature.mi.gov).gov
- MCL 487.2087, Financial Exploitation Prevention Act, delay of transactions(legislature.mi.gov).gov
- MCL 487.2089, Financial Exploitation Prevention Act, enforcement(legislature.mi.gov).gov
- MCL 451.2533, Uniform Securities Act, delay of disbursements and reporting(legislature.mi.gov).gov
- Michigan Legislature, HB 6222 bill history(legislature.mi.gov).gov
- Michigan Legislature, HB 5469 bill history(legislature.mi.gov).gov
- Michigan Legislature, SB 980 bill history(legislature.mi.gov).gov
- MCL 600.8401, Small claims division(legislature.mi.gov).gov
- MCL 600.5813, Six-year period for other personal actions(legislature.mi.gov).gov
- MCL 600.5855, Fraudulent concealment of a claim(legislature.mi.gov).gov