MEMBERS:
SEN. JEFF IRWIN, MAJORITY VICE CHAIR
SEN. SEAN MCCANN
SEN. ROSEMARY BAYER
SEN. DARRIN CAMILLERI
SEN. MARK HUIZENGA, MINORITY VICE CHAIR
SEN. LANA THEIS
SEN. KEVIN DALEY
THE SENATE
COMMITTEE ON FINANCE, INSURANCE,
AND CONSUMER PROTECTION
SENATOR MARY CAVANAGH
CHAIR
6500 BINSFELD OFFICE BUILDING
P.O. BOX 30036
LANSING, MICHIGAN 48909-7536
PHONE: (517) 373-7748
FAX: (517) 373-1387
COMMITTEE MEETING MINUTES
February 28, 2024
A meeting of the Senate Committee on Finance, Insurance, and Consumer Protection was scheduled for
Wednesday, February 28, 2024, at 12:30 p.m., in the 1200 Room of the Binsfeld Office Building.
The agenda summary is as follows:
1. Testimony regarding SB 632 (Sen. Anthony).
2. Testimony regarding HB 4343 (Rep. Conlin).
The Chair called the meeting to order at 12:31 p.m.. She instructed the Clerk to call the roll. At that time, the
following members were present: Chair Cavanagh, Sen.(s) Irwin, McCann, Bayer, Camilleri, Huizenga, Theis
and Daley, a quorum was present.
The Chair entertained a motion by Sen. McCann to adopt the meeting minutes from February 14, 2024. Without
objection, the minutes were adopted.
The Chair invited the following individuals to present testimony regarding SB 632:
Sen. Sarah Anthony – Support
Monica Burks, Center for Responsible Lending – Support
Jessica AcMoody, Community Economic Development Association of Michigan – Support
Dallas Lenear and Samika Douglas, Project Green – Support
Tom Hickson and Lorray Brown, Michigan Catholic Conference and Michigan Poverty Law Program –
Support
Tom Hickson and Lorray Brown, Michigan Catholic Conference and Michigan Poverty Law Program –
Support
Ross Yednock, Michigan Department of Insurance and Financial Services – Support
Julie Townsend and Andrea Ruthenberg, Purpose Financial – Opposition
The Chair read the cards of those individuals not wishing to testify before the committee regarding SB 632:
Charles Roltsch, Lansing Office of Financial Empowerment – Support
Jenn Hayes, Invest Detroit – Support
Heath Lowry, Michigan Coalition to End Domestic and Sexual Violence – Support
Seth Johson, United Way of Northwest Michigan – Support
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Patrick Schaefer, Michigan League for Public Policy – Support
Greg Wittmeier, MM Finance – Opposition
John Rabenold, Check 'n Go and Regulated Lenders Association of Michigan – Opposition
Patricia Herndon, Michigan Bankers Association – Neutral
Cassie Thierfelder, United Way of Southeastern Michigan – Support
Ruth Johnson, Community Development Advocates of Detroit – Support
Beverly Thiel, Habitat for Humanity Kent County – Support
Ted Fines, Habitat for Humanity Northeast Michigan – Support
Brent Taylor, Habitat for Humanity Capital Region – Support
Nancy Pellegrini, Habitat for Humanity Menominee River – Support
Amy Gibbs, Cadillac Area Habitat for Humanity – Support
Deanna Johnson, Marquette County Habitat for Humanity – Support
Wende Randall, Kent County Essential Needs Task Force – Support
Claudia Swaney, Grate Lakes ADA Center of Michigan – Support
Deb Cherry – Support
Bobby Dorigo Jones, Michigan Association of United Ways – Support
Wafa Dinaro, New Economy Initiative – Support
Ray Waters, Detroit Development Fund – Support
Joanna Dueweke-Perez, ProsperUs Detroit – Support
Chris Uhl, IFF – Support
Paula Trilety, West Outer Drive Civic Association – Support
Stacy Esbrook, Michigan Community Capital – Support
Belinda Turner-DuBois, CEED Lending – Support
J.T. Mackey, Cinnaire – Support
Lisa McCallum, Michigan Women Forward – Support
Hank Hubbard, One Detroit Credit Union – Support
Elizabeth Grabow, Reliable Billing – Support
Norman DeLisle, Michigan Disability Rights Coalition – Support
Andy Schor, City of Lansing – Support
Rebecca OConnell, Lake Trust Credit Union – Support
Eric Hufnagel, Michigan Coalition Against Homelessness – Support
Zac Foster, Ypsilanti Housing Commission – Support
Nancy DuBois, Caring Connection – Support
Danielle Bult, Love INC South Kent County – Support
Glenn Wilson, Communities First, Inc. – Support
Jim Kosloskey – Support
Julie Vitale, Hope 101 Ministry Inc. – Support
Jaye Sanders, Nextpointe Real Estate – Support
Michelle LaJoie, Community Action Alger Marquette – Support
Julie Vitale-Piccard, Moxy Homes LLC – Support
Brooke Harris – Support
Sarah Ulrich, Northwest Michigan Habitat for Humanity – Support
Angela Barbash, Revalue – Support
Charlotte Smith, Irving Park Consulting, LLC – Support
Erica Armstrong, YWCA Great Lakes Bay Region – Support
Jamie Healy, Habitat for Humanity of Mason County – Support
Amanda Scott, Democratic Party Grand Traverse County Brownfield – Support
Michelle Mc, Bridgeport Charter Township – Support
Raquel Thueme, Ruth Mott Foundation – Support
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Jim Davis, Family Promise of West Michigan – Support
Khadija Wallace, Joyful Treats Catering – Support
Dianne Hartwell, Our Future Network, Inc. – Support
Betty Matthews – Support
Jennifer Grau, Prospect PLACE Neighborhood – Support
Richard Cannon, Church of the Messiah Housing Corporation – Support
Karen Bates-Gasior, Hearts for Homes – Support
Alexandre Little, City of Benton Harbor – Support
Carl Williams, Second Chance 2000 Inc. – Support
Sandy Fick, Compassionate Care Network Inc. – Support
Gary Damon Ringer, Conscious Communities – Support
Doug Baum, Northeast Michigan Council of Governments – Support
Angie, Fair Lending Services, Inc. – Support
Marcia Spivey, Regent Park Community Association – Support
Vanessa Buhs, Manistee County Habitat for Humanity – Support
Dan Jones, Agent Dan Jones and Associates – Support
Ardelia Bailey, Metro Community Development, Inc. – Support
Emily Baxter, Sinai-Grace Guild Community Development Corporation – Support
Gail Hill, Allegan Homeless Solutions – Support
Travis Hewitt, City of Gaylord – Support
Tom Caldwell – Support
Rebecca Kasen, Women's Center of Greater Lansing – Support
Martin Carter, Astera Credit Union – Support
Lindsey Reames, Grand Rapids Housing Commission – Support
Lynne Punnett, Lenawee Financial Stability Coalition – Support
Carma Peters, Michigan Legacy Credit Union – Support
Audricka Jacob, Lenawee County Department of Veterans Affairs – Support
Jonathan Stimson, Homestretch Nonprofit Housing Corp. – Support
Kenneth Bauer, Goodwill Industries of Central Michigan's Heartland, Inc. – Support
Brooke Habay, LCMHA – Support
Natashea Buchanan, Release Relax Recycle – Support
Dwayne Barnes, Detroit Future City – Support
Rhonda Sanders-Adams, Business Men and Women Social Club of Detroit – Support
Michael Howe, Neighbor by Neighbor – Support
Thomas Visco, Michigan Community Action – Support
Susan Williams, Beyond Common Consulting – Support
Jim Kosloskey – Support
Kittie Tuinstra, Dogwood Community Development – Support
Rebekah Kik, City of Kalamazoo – Support
Maureen Charbonneau, Inner Edge Wisdom – Support
Alan Fox, Ingham County Treasurer – Support
P. Craig Patterson, Woda Cooper Companies – Support
Jubek Yongo-Bure, Jumi Consulting Group – Support
Terrance Jones, Genesee County Habitat for Humanity – Support
Sabrina Underood, Earth Tones Enterprises – Support
Charlotte Coachman, Inkster Housing Commission – Support
Laura Boustani, CHN Housing Partners – Support
Karin Beyer, Otsego Community Foundation – Support
Keri Haskins, Neighbor by Neighbor – Support
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Linda Smith, U SNAP BAC NON PROFIT HOUSING CORP. – Support
Rose Fosdick, Manistee County Human Services Collaborative Body – Support
Judith Transue, Trinity Village Non Profit Housing Corporation – Support
Kerry Baughman, Northwest Michigan Community Action Agency – Support
Lisa Stanton, DCDI – Support
Jane MacKenzie, Northern Homes CDD – Support
Thomas Taylor, Finally United Corporation – Support
Amanda Klein, United Way for Southeastern Michigan – Support
John Williams, Habitat for Humanity of Michigan – Support
Nikeyia Perkin, Access of West Michigan – Support
Regina Bell, Council of Michigan Foundations – Support
The Chair invited the following individuals to present testimony regarding HB 4343:
Alexander Seasock, The office of Rep. Jennifer Conlin – Support
Jessica AcMoody and Tom Hickson, CEDAM and Michigan Catholic Conference – Support
Ross Yednock, Michigan Department of Insurance and Financial Services – Support
The Chair read the cards of those individuals not wishing to testify before the committee regarding HB 4343:
Andrea Ruthenberg, Advance America – Support
John Rabenold, Check 'n Go – Support
Patrick Schaefer, Michigan League for Public Policy – Support
DaeSean Ashby, MCUL – Support
Lorray Brown, Michigan Poverty Law Program – Support
Patricia Herndon, Michigan Bankers Association – Support
Cassie Thierfelder, United Way for Southeastern Michigan – Support
There being no further business before the committee, the Chair moved to adjourn the committee. Without
objection, the committee was adjourned at 1:29 p.m.
Date adopted by committee: 03/06/24
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