Consumer credit law reference
Michigan Credit Dispute Laws
Michigan prohibits advance fees and requires CSOs to post a $25,000 surety bond, with a 5-day contract cancellation right for consumers.
Primary state statute
Michigan Credit Services Protection Act
MCL § 445.1821 et seq.
Regulator: Michigan Department of Attorney General — Consumer Protection
What Michigan adds on top of the federal FCRA
- •No advance fees
- •$25,000 bond
- •5-day cancellation right
- •AG enforcement
Dispute inaccurate items on your Michigan credit report
Vindex Intelligence drafts FCRA-cited dispute letters for Michigan residents in minutes, tracks the 30-day bureau reinvestigation window, and escalates unresolved items to the CFPB.
Neighboring states
View all 50 statesThis page is general legal information, not legal advice. Statute numbers are current as of 2026 — verify before litigating. For legal advice specific to your situation, consult a licensed attorney in Michigan.