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HB 4715

Insurance: other; sharing of information concerning suspected or completed insurance fraud; allow. Amends sec. 4509 of 1956 PA 218 (MCL 500.4509).

2025-2026 Regular Session Introduced by Joe Aragona and 9 co-sponsors

Expands civil-immunity for good-faith reporting of suspected insurance fraud to insurers, agencies, NAIC/NICB; lowers risk and boosts info sharing, with false-info exception.

REFERRED TO COMMITTEE ON FINANCE, INSURANCE, AND CONSUMER PROTECTION
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Bill Summary · HB 4715

Summary — HB 4715 (2025)

Amends section 4509 of the Insurance Code (1956 PA 218; MCL 500.4509) to expand and clarify civil-immunity protections for persons and entities that report, provide, request, or publish information about suspected or completed insurance fraud.

Purpose

Encourage reporting, information sharing, and cooperation among insurers, government agencies, and recognized fraud‑prevention organizations (e.g., NAIC, NICB, state/federal fraud units) by reducing the risk of civil liability for good‑faith communications about suspected or confirmed insurance fraud.

Key provisions

  • Extends immunity from civil liability for filing reports or providing information regarding suspected or completed insurance fraud when provided to or received from:
    • The insurance bureau or Department of Insurance and Financial Services (DIFS);
    • The National Association of Insurance Commissioners (NAIC);
    • The National Insurance Crime Bureau (NICB);
    • Any federal, state, or governmental agency established to detect/prevent insurance fraud; or
    • Any other organization and their agents, employees, or designees.
  • Immunity applies to insurers, insurer officers/employees/agents, and private persons who cooperate with, furnish evidence to, or provide/receive information from the listed entities — provided the person is “acting without malice.”
  • Immunity covers:
    • Civil suits for filing reports or cooperating in investigations;
    • Civil liability claims (libel, slander, other torts) related to reporting or testimony;
    • Liability arising in prosecutions for perjury or insurance fraud for testimony or produced evidence, where given without malice.
  • Exceptions: No immunity if the person or entity knows the information, report, testimony, or publication contains false information material to the matter.
  • Clarifies that the section does not abrogate other common‑law or statutory privileges or immunities.

Who is affected

  • Insurers, insurer personnel, and third parties (e.g., claims administrators) who report or provide fraud‑related information.
  • Authorized agencies and fraud‑prevention organizations (NAIC, NICB) and their employees/agents.
  • Consumers and entities alleged to have committed fraud may see changes in reporting/ enforcement activity; parties harmed by knowingly false reports retain legal recourse.

Procedural / timeline status

  • Introduced: July 1, 2025 (Rep. Brenda Carter, et al.).
  • House actions: Read and referred to Insurance Committee; reported without amendment; passed by the House on September 16, 2025 (Roll Call #208 — 101 yeas, 2 nays) with an “immediate effect” designation on the House action record.
  • Senate: Referred to Committee on Finance, Insurance, and Consumer Protection on September 18, 2025.
  • Statute amended: MCL 500.4509.

Practical impact

If enacted, HB 4715 should lower legal risk for good‑faith reporting and inter‑agency information sharing about suspected insurance fraud, likely increasing cooperation and referrals to DIFS and law enforcement. The bill preserves remedies when reports are made maliciously or when falsehoods are known.

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

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