Scams & Consumer Issues in Michigan

By CanISueForThis Editorial Team Reviewed by Editorial Team Updated March 21, 2026

Key Michigan Law

Michigan Compiled Laws Section 445.903 (Michigan Consumer Protection Act)

Michigan's Consumer Protection Act (MCPA) prohibits unfair, unconscionable, or deceptive methods, acts, or practices in the conduct of trade or commerce. It lists over 30 specific prohibited practices.

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Procedural Details in Michigan

Michigan's Consumer Protection Act (MCL 445.901 et seq.) provides a private right of action under MCL 445.911. Consumers may recover actual damages or $250 (whichever is greater), plus attorney fees in some circumstances. Courts may award up to three times actual damages for intentional violations. A significant limitation: the Michigan Supreme Court ruled in Smith v. Globe Life Ins. Co. that the MCPA does not apply to transactions specifically authorized by other laws or regulated by another state agency — which excluded many insurance, financial, and regulated utility transactions. The statute of limitations is six years under MCL 445.911(9). The Michigan AG enforces the MCPA and may seek civil penalties and injunctive relief. Michigan requires residential builders and maintenance and alteration contractors to be licensed by the Residential Code Task Force under MCL 338.1501 et seq.

Michigan Agencies & Resources

Michigan Attorney General — Consumer Protection Division

Enforces Michigan consumer protection laws and accepts consumer fraud complaints.

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Michigan Department of Licensing and Regulatory Affairs (LARA)

Licenses residential builders and maintenance contractors in Michigan.

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Frequently Asked Questions

What is the statute of limitations for Michigan consumer fraud claims?

Six years from the date of the deceptive act under MCL 445.911(9). Michigan's six-year period is among the longest for consumer protection claims nationally.

What damages can I recover under the Michigan Consumer Protection Act?

Actual damages or $250 (whichever is greater), plus attorney fees in appropriate cases. For intentional violations, courts may award up to three times actual damages.

Are there exceptions to Michigan's MCPA?

Yes. The MCPA does not apply to transactions specifically authorized by law or regulated by a state or federal agency. This excludes many insurance, banking, and utility transactions from MCPA coverage. Consumers in those industries may need to pursue complaints through the relevant regulatory agency.

Does Michigan require contractor licensing?

Yes. Michigan requires residential builders and maintenance and alteration contractors to be licensed under MCL 338.1501. Verify licenses through Michigan LARA at michigan.gov/lara before hiring.

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