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SB 528

Civil procedure: foreclosure; public sale of property being foreclosed by advertisement; allow to be held virtually. Amends secs. 3216 & 3220 of 1961 PA 236 (MCL 600.3216 & 600.3220). TIE BAR WITH: SB 527'25

2025-2026 Regular Session Introduced by Ed McBroom

Michigan bill permits foreclosure property auctions to occur virtually instead of requiring in-person public sales, potentially improving access but risking reduced competition and transparency.

REFERRED TO COMMITTEE ON LOCAL GOVERNMENT
#civilprocedure:foreclosure
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Bill Summary · SB 528

Legislative bill overview

SB 528 amends Michigan's foreclosure procedures to permit public sales of foreclosed properties to be conducted virtually rather than requiring in-person auctions. The bill modifies sections 3216 and 3220 of the Michigan Public Housing Law, which currently govern how foreclosure sales are advertised and conducted.

Why is this important

Foreclosure sales are critical legal proceedings that affect property owners, lenders, and communities. Allowing virtual auctions could increase accessibility for bidders, reduce administrative costs, and streamline the process—but may also reduce transparency and competitive bidding if fewer people participate remotely versus attending in-person sales.

Potential points of contention

  • Accessibility vs. Transparency trade-off: Virtual-only sales might exclude bidders without internet access or digital literacy, while also potentially reducing competitive pressure that benefits homeowners and creditors through higher bids
  • Standardization and oversight concerns: The bill doesn't specify technical requirements, security protocols, or how fraud/irregularities would be detected in virtual auctions, potentially creating enforcement challenges
  • Tie-bar dependency: The bill is linked to SB 527, meaning both must pass together—the content and implications of the companion bill are unclear from this information alone

Compiled from official sources — confirm details with the bill’s official record.

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