Michigan DIFS 2024 Bulletins List

Detected March 18th, 2026

Summary

The Michigan Department of Insurance and Financial Services has published its list of 2024 bulletins. These bulletins cover various regulatory and interpretive statements for financial institutions and insurers operating in Michigan, including updates on fees, policy requirements, and the use of artificial intelligence.

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What changed

The Michigan Department of Insurance and Financial Services (DIFS) has released its 2024 bulletins, which serve as regulatory and interpretive statements for the state's financial sector. This collection includes updates on annual fees for BIDCOs and Banks, adjustments to insurance-related matters such as maximum copying charges, fire insurance escrow, and work loss benefits, as well as guidance on the implementation of new legislation like PA 94 to the Motor Vehicle Sales Finance Act. Notably, Bulletin 2024-20-INS provides guidance on the use of Artificial Intelligence Systems by Insurers.

These bulletins are primarily for financial institutions and insurers regulated by DIFS. Compliance officers should review the relevant bulletins to ensure adherence to updated requirements, fee schedules, and interpretive guidance. While most bulletins appear to be routine annual updates or clarifications, some, like the one concerning AI, may require more in-depth review. The list indicates which bulletins supersede prior versions and, in some cases, which future bulletins will supersede the current ones, suggesting a continuous cycle of regulatory updates.

What to do next

Review 2024 DIFS bulletins for applicability to specific business lines (e.g., insurance, banking, BIDCOs).
Identify and review bulletins related to fees, policy requirements, and legislative changes impacting operations.
Assess and implement any new requirements or interpretations outlined in the bulletins, particularly regarding AI use by insurers.

Source document (simplified)

2024 Bulletins

### Bulletin 2024-30-BT BIDCO Annual Schedule of Fees (supersedes Bulletin 2023-24-BT) Prior years' fee bulletins

Bulletin 2024-29-INS

This bulletin was not issued.

Bulletin 2024-28-INS

Essential Insurance Act: Maximum Copying Charge under MCL 500.2113(2)(a) (supersedes Bulletin 2023-25-INS; superseded by Bulletin 2025-28-INS)

Bulletin 2024-27-INS

Annual Adjustment of the Fire Insurance Maximum Escrow under Section 2845 of the Michigan Insurance Code (supersedes Bulletin 2024-22-INS; superseded by Bulletin 2025-27-INS)

### Bulletin 2024-26-INS Depreciation of Nontangible Items (supersedes Bulletin 2024-18-INS)

Bulletin 2024-25-INS

Eligibility for Reimbursement under MCL 500.3157(4)(a), MCL 500.3157(4)(b), MCL 500.3157(5), and MCL 500.3157(6) (supersedes Bulletin 2023-19-INS and Bulletin 2023-20-INS; superseded by Bulletin 2025-24-INS)

### Bulletin 2024-24-CF Implementation of 2024 PA 94 to Amend the Motor Vehicle Sales Finance Act

### Bulletin 2024-23-INS Short-Term Limited Duration Policies and Fixed Indemnity Excepted Benefits (supersedes Bulletin 2018-20-INS)

Bulletin 2024-22-INS

Annual Adjustment of the Fire Insurance Maximum Escrow under Section 2845 of the Michigan Insurance Code (supersedes Bulletin 2023-22-INS; superseded by Bulletin 2024-27-INS)

Bulletin 2024-21-INS

Annual Adjustment of the Fire Insurance Maximum Escrow under Section 2227 of the Michigan Insurance Code (supersedes Bulletin 2023-22-INS; superseded by Bulletin 2025-14-INS)

### Bulletin 2024-20-INS Use of Artificial Intelligence Systems by Insurers

Bulletin 2024-19-INS

Annual Adjustment of the Maximum Work Loss Benefit and Survivors' Loss Benefits Payable Under Policies of Personal Protection Insurance (supersedes Bulletin 2023-18-INS; superseded by Bulletin 2025-18-INS)

Bulletin 2024-18-INS

Depreciation of Nontangible Items (superseded by Bulletin 2024-26-INS)

### Bulletin 2024-17-INS Health Insurance Plan Switching

### Bulletin 2024-16-BT Bank and Savings Bank Supervisory and Trust Fees (supersedes Bulletin 2023-16-BT) Prior Years' Fee Bulletins

### Bulletin 2024-15-INS 2025 Form and Rate Filing Requirements for Stand-Alone Dental Plans

### Bulletin 2024-14-INS 2025 Form and Rate Filing Requirements for Medical Plans

Bulletin 2024-13-INS

Michigan Property and Casualty Guaranty Association's Annual Adjustment of an Insured's Maximum Unearned Premium Refund (supersedes Bulletin 2023-10-INS; superseded by Bulletin 2025-10-INS)

### Bulletin 2024-12-INS Change Healthcare Cybersecurity Event

### Bulletin 2024-11-INS Attention-Deficit/Hyperactivity Disorder Drug Coverage Flexibility during Shortage

Bulletin 2024-10-INS

Maximum Amount of Cemetery or Funeral Predeath Assignment Under the Michigan Insurance Code (supersedes Bulletin 2023-04-INS; superseded by Bulletin 2025-01-INS)

### Bulletin 2024-09-INS Price Optimization

Bulletin 2024-08-INS

Auto Insurance: Fee Schedule CPI Adjustment (supersedes Bulletin 2023-13-INS; superseded by Bulletin 2025-05-INS)

### Bulletin 2024-07-INS Group Capital Calculation Filing Exemption Criteria

Bulletin 2024-06-INS

Payment and Billing Guidance for No-Fault Automobile Insurers and Health Care Providers (supersedes Bulletin 2023-21-INS; superseded by Bulletin 2025-11-INS)

Bulletin 2024-05-CF

CPI-Adjusted Regulatory Loan Act Loan Processing Fee (supersedes Bulletin 2022-02-CF; superseded by Bulletin 2026-05-CF)

Bulletin 2024-04-INS

Michigan Property and Casualty Guaranty Association's Annual Adjustment of the Net Worth Limit and Claim Cap Pursuant to MCL 500.7925(4) and (6) (supersedes Bulletin 2023-02-INS; superseded by Bulletin 2025-04-INS)