Environment
Mixed / Neutral
50%
Benefits
- no direct impact identified
Risks
- no direct impact identified
StateMichiganIntroduced
HB 6229: Civil procedure: bankruptcy; bankruptcy exemptions; modify. Amends sec. 5451 of 1961 PA 236 (MCL 600.5451).
Brenda Carter
HB 6229 status: Introduced — bill electronically reproduced 07/29/2026 (updated Aug 11, 2026).
Source
OpenStates
Confidence
Low
Analysis basis
OpenStates summary
01
What this bill does
Official summary alongside an AI-generated read on where it stands and why.
Overall Score
65OUT OF 100
Score:65/100 civic fit
Risk:Moderate Risk
Impact:Moderate Impact 60/100
Earlier scoring method. Reanalyze to use the sector calculation.
Constitutionality90%
Bipartisan50%
Public opinion50%
Bill summary
Modifying bankruptcy exemptions alters the legal threshold for asset protection in Michigan, impacting both individual debtor outcomes and creditor recovery rights.
02
Impact analysis
✦ AI analysisModeled effects across six domains, estimated from bill text and comparable legislation.
Economy
Mixed / Neutral
55%
Benefits
- potential for increased debtor financial stability
- modernization of fiscal relief mechanisms
Risks
- potential changes to creditor recovery risk
- possible impacts on lending assessment models
Society
Positive outlook
60%
Benefits
- may improve the safety net for households in bankruptcy
- strengthens personal financial protections
Risks
- unknown scope of protected asset categories
- potential for varied implementation effects
Technology Industry
Not scored in this analysis.
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Civic Accountability
Not scored in this analysis.
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Public Health & Safety
Not scored in this analysis.
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03
How trustworthy & consequential it is
Sourcing already shown above, this is what the analysis found worth flagging.
Source
OpenStates
Official bill text or data from OpenStates.
Confidence
Low
Information is limited or incomplete.
Analysis basis
OpenStates summary
Source used for this bill's analysis.
Source note
Potential shifts in creditor recovery rights remain unassessed due to missing text
Analysis scope
Full bill text not provided; analysis limited to abstract description
04
Where it stands
Official record- IntroducedCurrent
- CommitteeUpcoming
- Chamber votesUpcoming
- Final agreementUpcoming
- GovernorUpcoming
- EnactedUpcoming
05
How it affects your district
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06
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