Foreclosure by Advertisement — Virtual Public Sales

Current understanding

Sections 3208 and 3212 of the Revised Judicature Act (1961 PA 236, MCL 600.3208 & 600.3212) govern notice and conduct of public sales for mortgage foreclosures conducted by advertisement in Michigan, historically requiring in-person sales at a designated county location. SB 0527 (103rd Legislature) would amend these sections to allow the public sale to be held virtually. The bill has passed one chamber; details on notice requirements, platform standards, and bidder access procedures remain to be recorded from the enrolled text.

Evidence log

• 2026-06-24 — Civil procedure: foreclosure; recording of deed; modify. Amends secs. 3232 & 3240 of 1961 PA 236 (MCL 600.3232 & 600.3240).: cross-connection with foreclosure-deed-recording: Companion amendments to the Revised Judicature Act’s foreclosure-by-advertisement chapter — virtual sales bill modifies how the sale is conducted, HB 5046 modifies how the resulting deed is recorded. (novelty: 2)
• 2026-07-01 — Civil procedure: foreclosure; distribution of proceeds from mortgage foreclosure auctions; modify. Amends sec. 3208 of 1961 PA 236 (MCL 600.3208) & adds secs. 3214 & 3222. TIE BAR WITH: HB 5153’25: HB 5152 (tie-barred to HB 5153) amends the same section 3208 of 1961 PA 236 addressed by the virtual-sales bill, and adds new secs. 3214 & 3222 restructuring how proceeds from mortgage foreclosure auctions are distributed; passed one chamber. (novelty: 2)
• 2026-07-03 — Civil procedure: foreclosure; public sale of property being foreclosed by advertisement; allow to be held virtually. Amends secs. 3208 & 3212 of 1961 PA 236 (MCL 600.3208 & 600.3212).: cross-connection with delinquent-property-tax-foreclosure-programs: Both address foreclosure processes affecting Michigan property owners, though under distinct statutory regimes: mortgage foreclosure by advertisement (Revised Judicature Act) versus delinquent property tax foreclosure (General Property Tax Act). (novelty: 2)

Open questions

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