Civil procedure: foreclosure; recording of deed; modify. Amends secs. 3232 & 3240 of 1961 PA 236 (MCL 600.3232 & 600.3240).
Key claim: HB5046 amends Michigan’s civil procedure statutes (MCL 600.3232 & 600.3240) to modify the rules governing the recording of deeds in foreclosure proceedings.
Abstract
(HB5046 · 103rd Legislature) Civil procedure: foreclosure; recording of deed; modify. Amends secs. 3232 & 3240 of 1961 PA 236 (MCL 600.3232 & 600.3240). Latest action (2026-07-01): Referred To Committee On Local Government
Why this matters
Recording of the sheriff’s deed determines when the statutory redemption clock starts and when title becomes marketable, so procedural changes directly affect borrowers trying to redeem, purchasers taking title at foreclosure auctions, and registers of deeds processing the filings. Paired with pending changes to virtual sales and auction-proceeds distribution, this rounds out a session-long rewrite of Michigan’s foreclosure-by-advertisement mechanics.