Terms Used In Michigan Laws 445.111

  • Commission: means the public service commission. See Michigan Laws 445.111
  • Corporation: A legal entity owned by the holders of shares of stock that have been issued, and that can own, receive, and transfer property, and carry on business in its own name.
  • Do-not-call list: means a do-not-call list of consumers and their residential telephone numbers maintained by the commission, by a vendor designated by the commission, or by an agency of the federal government, under section 1a. See Michigan Laws 445.111
  • Existing customer: means an individual who has purchased goods or services from a person, who is the recipient of a voice communication from that person, and who either paid for the goods or services within the 12 months preceding the voice communication or has not paid for the goods and services at the time of the voice communication because of a prior agreement between the person and the individual. See Michigan Laws 445.111
  • Federally insured depository institution: means a state or national bank, state or federal savings bank, state or federal savings and loan association, or state or federal credit union that holds deposits insured by an agency of the United States. See Michigan Laws 445.111
  • Fixed location: means a place of business where the seller or an agent, servant, employee, or solicitor of that seller primarily engages in the sale of goods or services of the same kind as would be sold at the residence of a buyer. See Michigan Laws 445.111
  • Home solicitation sale: means a sale of goods or services of more than $25. See Michigan Laws 445.111
  • Mortgage: The written agreement pledging property to a creditor as collateral for a loan.
  • Mortgage loan: A loan made by a lender to a borrower for the financing of real property. Source: OCC
  • National Bank: A bank that is subject to the supervision of the Comptroller of the Currency. The Office of the Comptroller of the Currency is a bureau of the U.S. Treasury Department. A national bank can be recognized because it must have "national" or "national association" in its name. Source: OCC
  • Partnership: A voluntary contract between two or more persons to pool some or all of their assets into a business, with the agreement that there will be a proportional sharing of profits and losses.
  • Person: means an individual, partnership, corporation, limited liability company, association, governmental entity, or other legal entity. See Michigan Laws 445.111
  • state: when applied to the different parts of the United States, shall be construed to extend to and include the District of Columbia and the several territories belonging to the United States; and the words "United States" shall be construed to include the district and territories. See Michigan Laws 8.3o
  • subscriber: means a person residing in this state who has residential telephone service. See Michigan Laws 445.111
  • Telephone solicitation: means any voice communication over a telephone for the purpose of encouraging the recipient of the call to purchase, rent, or invest in goods or services during that telephone call. See Michigan Laws 445.111
  • Trust account: A general term that covers all types of accounts in a trust department, such as estates, guardianships, and agencies. Source: OCC
  • United States: shall be construed to include the district and territories. See Michigan Laws 8.3o
  • Vendor: means a person designated by the commission to maintain a do-not-call list under section 1a. See Michigan Laws 445.111
  • Written solicitation: means a postcard or other written notice delivered to a buyer's residence that requests that the buyer contact the seller or seller's agent by telephone to inquire about a good or service, unless the postcard or other written notice concerns a previous purchase or order or specifies the price of the good or service and accurately describes the good or service. See Michigan Laws 445.111
  As used in this act:
  (a) “Home solicitation sale” means a sale of goods or services of more than $25.00 in which the seller or a person acting for the seller engages in a personal, telephonic, or written solicitation of the sale, the solicitation is received by the buyer at a residence of the buyer, and the buyer’s agreement or offer to purchase is there given to the seller or a person acting for the seller. Home solicitation sale does not include any of the following:
  (i) A sale made pursuant to a preexisting revolving charge account.
  (ii) A sale made pursuant to prior negotiations between the parties at a business establishment at a fixed location where goods or services are offered or exhibited for sale.
  (iii) A sale or solicitation of insurance by an insurance agent licensed by the commissioner of insurance.
  (iv) A sale made at a fixed location of a business establishment where goods or services are offered or exhibited for sale.
  (v) A sale made pursuant to a printed advertisement in a publication of general circulation.
  (vi) A sale of services by a real estate broker or salesperson licensed by the department of consumer and industry services.
  (vii) A sale of agricultural or horticultural equipment and machinery that is demonstrated to the consumer by the vendor at the request of either or both of the parties.
  (b) “Fixed location” means a place of business where the seller or an agent, servant, employee, or solicitor of that seller primarily engages in the sale of goods or services of the same kind as would be sold at the residence of a buyer.
  (c) “Business day” means Monday through Friday and does not include Saturday, Sunday, or the following business holidays: New Year’s day, Martin Luther King’s birthday, Washington’s birthday, Memorial day, Independence day, Labor day, Columbus day, Veterans’ day, Thanksgiving day, and Christmas day.
  (d) “Federally insured depository institution” means a state or national bank, state or federal savings bank, state or federal savings and loan association, or state or federal credit union that holds deposits insured by an agency of the United States.
  (e) As used in only the definition of home solicitation sales, “goods or services” does not include any of the following:
  (i) A loan, deposit account, or trust account lawfully offered or provided by a federally insured depository institution or a subsidiary or affiliate of a federally insured depository institution.
  (ii) An extension of credit that is subject to any of the following acts:
  (A) The mortgage brokers, lenders, and servicers licensing act, 1987 PA 173, MCL 445.1651 to 445.1684.
  (B) The secondary mortgage loan act, 1981 PA 125, MCL 493.51 to 493.81.
  (C) The regulatory loan act, 1939 PA 21, MCL 493.1 to 493.24.
  (D) The consumer financial services act, 1988 PA 161, MCL 487.2051 to 487.2072.
  (E) 1984 PA 379, MCL 493.101 to 493.114.
  (F) The motor vehicle sales finance act, 1950 (Ex Sess) PA 27, MCL 492.101 to 492.141.
  (iii) A sale of a security or interest in a security that is subject to the uniform securities act, 1964 PA 265, MCL 451.501 to 451.818, or the uniform securities act (2002), 2008 PA 551, MCL 451.2101 to 451.2703.
  (f) “Written solicitation” means a postcard or other written notice delivered to a buyer’s residence that requests that the buyer contact the seller or seller’s agent by telephone to inquire about a good or service, unless the postcard or other written notice concerns a previous purchase or order or specifies the price of the good or service and accurately describes the good or service.
  (g) “ADAD” or “automatic dialing and announcing device” means any device or system of devices that is used, whether alone or in conjunction with other equipment, for the purpose of automatically selecting or dialing telephone numbers.
  (h) “Commission” means the public service commission.
  (i) “Do-not-call list” means a do-not-call list of consumers and their residential telephone numbers maintained by the commission, by a vendor designated by the commission, or by an agency of the federal government, under section 1a.
  (j) “Existing customer” means an individual who has purchased goods or services from a person, who is the recipient of a voice communication from that person, and who either paid for the goods or services within the 12 months preceding the voice communication or has not paid for the goods and services at the time of the voice communication because of a prior agreement between the person and the individual.
  (k) “Person” means an individual, partnership, corporation, limited liability company, association, governmental entity, or other legal entity.
  (l) “Residential telephone subscriber” or “subscriber” means a person residing in this state who has residential telephone service.
  (m) “Telephone solicitation” means any voice communication over a telephone for the purpose of encouraging the recipient of the call to purchase, rent, or invest in goods or services during that telephone call. Telephone solicitation does not include any of the following:
  (i) A voice communication to a residential telephone subscriber with that subscriber’s express invitation or permission prior to the voice communication.
  (ii) A voice communication to an existing customer of the person on whose behalf the voice communication is made, unless the existing customer is a consumer who has requested that he or she not receive calls from or on behalf of that person under section 1c(1)(g).
  (iii) A voice communication to a residential telephone subscriber in which the caller requests a face-to-face meeting with the residential telephone subscriber to discuss a purchase, sale, or rental of, or investment in, goods or services but does not urge the residential telephone subscriber to make a decision to purchase, sell, rent, invest, or make a deposit on that good or service during the voice communication.
  (n) “Telephone solicitor” means any person doing business in this state who makes or causes to be made a telephone solicitation from within or outside of this state, including, but not limited to, calls made by use of automated dialing and announcing devices or by a live person.
  (o) “Vendor” means a person designated by the commission to maintain a do-not-call list under section 1a. The term may include a governmental entity.

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