evidence_text: Representative McFall moved to report out HB 5196 with recommendation. The motion prevailed 12-0-0: FAVORABLE ROLL CALL Yeas: Reps. Brenda Carter, McFall, Rogers, Scott, Young, Fitzgerald, Grant, Tsernoglou, Xiong, Bezotte, Aragona, Neyer. Nays: None. Pass: None. Joseph Sullivan, representing the Michigan Department of Insurance and Financial Services, testified on proposed substitute (H-1) for HB 5197.