Environment
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
StateMichiganTo Governor
SB 527: 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).
Ed McBroom
SB 527 status: To Governor — PRESENTED TO GOVERNOR 9/15/2026 1:28 PM (updated Sep 22, 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
53OUT OF 100
Score:53/100 civic fit
Risk:Moderate Risk
Impact:Moderate Impact 40/100
Constitutionality85%
Bipartisan70%
Public opinion50%
Bill summary
What changes
The bill permits the public sale of property being foreclosed by advertisement to be held via online auctions instead of exclusively in-person venues.
Who is affected
Homeowners in foreclosure, lenders, real estate investors, and local government officials overseeing property auctions.
Requirements and enforcement
Auctioneers and lenders must utilize or contract with online platforms to facilitate the sale of foreclosed properties.
Costs and funding
Not stated, though potential fees for utilizing third-party online auction platforms may apply.
When it takes effect
Pending gubernatorial action.
Potential benefits
Potential for broader market participation, increased auction efficiency, and modernization of real estate sale procedures.
Risks and tradeoffs
Disproportionate impact on individuals without reliable high-speed internet, risks of cyber-fraud, and potential loss of local physical oversight of auctions.
What is still unknown
Specific digital security requirements, the choice of approved online platforms, and the regulatory framework for handling disputes arising from online auction errors.
02
Impact analysis
✦ AI analysisModeled effects across six domains, estimated from bill text and comparable legislation.
Economy
Positive outlook
60%
Benefits
- Increased potential buyer reach via online platforms
- Streamlined administrative processing for auctioneers
- Reduced travel costs for non-local interested parties
Risks
- Potential exclusion of bidders lacking reliable internet
- Platform fees may increase overall transaction costs
- Increased risk of cyber-fraud in high-value transactions
Society
Mixed / Neutral
45%
Benefits
- Greater convenience for prospective property purchasers
- Standardization of the foreclosure sale experience
- Potential for wider public awareness of available assets
Risks
- Risk of digital divide disenfranchising local residents
- Potential for reduced community visibility of local sales
- Reduced opportunity for physical inspection by residents
Technology Industry
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
Civic Accountability
Mixed / Neutral
55%
Benefits
- Increased digital audit trail for sale activities
- Standardized reporting requirements for online platforms
- Greater central visibility of state foreclosure data
Risks
- Obfuscation of local oversight in physical settings
- Reliance on private platform terms and transparency
- Risk of platform data breaches affecting sale integrity
Public Health & Safety
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
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
Digital access barriers may effectively exclude lower-income bidders or elderly residents from purchasing opportunities.
Analysis scope
Source provided is a summary abstract only, lacking full legislative language.
04
Where it stands
Official record- IntroducedComplete
- CommitteeComplete
- Chamber votesComplete
- Final agreementComplete
- GovernorCurrent
- EnactedUpcoming
05
How it affects your district
✦ Personalized
Set your location
Add your district to see how this bill may affect your community and who to contact.
Your Representatives
Your representatives appear here once you add your location.
06
Take action
Contact your representatives
Let them know how you feel about this bill.
Share your view
Join the discussion and see what others are saying.
Track this bill
Stay updated on progress and changes.