Canonical URL: https://giftcard.news/fraud-security/michigan-gift-card-fraud-organized-retail-crime-laws/ --- description: Two bills signed October 5 address fraudulent acquisition, tampering and use of gift cards and their redemption information, covering physical and digital formats. title: Michigan signs gift-card fraud offences into organized retail crime law image: https://giftcard.news/images/social/v1/michigan-signs-gift-card-fraud-offences-into-organized-retail-crime-law-1aac0bfd0cc4df3e764f2af4573295eb.jpg --- 1. [Home](https://giftcard.news/) 2. [Fraud & Security](https://giftcard.news/fraud-security/) # Michigan signs gift-card fraud offences into organized retail crime law Two bills signed October 5 address fraudulent acquisition, tampering and use of gift cards and their redemption information, covering physical and digital formats. By [Daniel Brooks](https://giftcard.news/author/daniel-brooks/) October 5, 2026 2 min read [ Google News ](https://google.com/preferences/source?q=giftcard.news&utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news) Share [ ](https://x.com/intent/post?url=https%3A%2F%2Fgiftcard.news%2Ffraud-security%2Fmichigan-gift-card-fraud-organized-retail-crime-laws%2F%3Futm%5Fsource%3Dx%26utm%5Fmedium%3Dsocial&text=Michigan+signs+gift-card+fraud+offences+into+organized+retail+crime+law&utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news "X") [ ](https://www.linkedin.com/sharing/share-offsite/?url=https%3A%2F%2Fgiftcard.news%2Ffraud-security%2Fmichigan-gift-card-fraud-organized-retail-crime-laws%2F%3Futm%5Fsource%3Dlinkedin%26utm%5Fmedium%3Dsocial&utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news "LinkedIn") [ ](https://wa.me/?text=Michigan+signs+gift-card+fraud+offences+into+organized+retail+crime+law+https%3A%2F%2Fgiftcard.news%2Ffraud-security%2Fmichigan-gift-card-fraud-organized-retail-crime-laws%2F%3Futm%5Fsource%3Dwhatsapp%26utm%5Fmedium%3Dsocial&utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news "WhatsApp") ![Michigan gift-card law coverage chart: physical and digital, closed-loop and open-loop, activated and inactive cards; laws signed October 5, 2026](https://giftcard.news/images/variants/v1/michigan-signs-gift-card-fraud-offences-into-organized-retail-crime-law-coverage-2-w1280.webp) Gift-card definitions in Michigan Public Act 110, read with the intent-to-defraud provision in Public Act 109\. October 5 is the signing date, not a statement of commencement. Photo: Gift Card News; sources: Michigan governor and chaptered acts reproduced by LegiScan Michigan Governor [Gretchen Whitmer](https://giftcard.news/person/gretchen-whitmer/) signed two gift-card fraud bills on October 5, adding specific card-related conduct to the state's Organized Retail Crime Act. The measures were sponsored by Representatives [Mike Harris](https://giftcard.news/person/mike-harris/) and [Samantha Steckloff](https://giftcard.news/person/samantha-steckloff/). [\[S01\]](#article-source-1) House Bills 4598 and 4599 became Public Acts 109 and 110 of 2026\. Harris said the legislation responds to criminals who compromise cards displayed in stores, collect their numbers and PINs, and then drain the value after a legitimate buyer activates them. [\[S02\]](#article-source-2) The text of the amended offence addresses knowing conduct carried out with intent to defraud. It covers acquiring a card or its redemption information; altering or tampering with either, or exploiting a cardholder, issuer or seller; and obtaining money, goods, services or other value through a card or information acquired in violation of the provision. The reproduced chaptered acts list January 3,2027 and a 90-day commencement provision, while also carrying conflicting immediate-effect labels. The October 5 signing date alone therefore does not establish when the Your free reader account ## Continue reading for free. Create your account or sign in to get unlimited access. Continue with LinkedIn Continue with Google Continue with Facebook No payment required. Newsletter signup is optional. [Already registered? Sign in](https://giftcard.news/login/?returnTo=%2Ffraud-security%2Fmichigan-gift-card-fraud-organized-retail-crime-laws%2F) ## In this article ### People * [Gretchen Whitmer](https://giftcard.news/person/gretchen-whitmer/) * [Mike Harris](https://giftcard.news/person/mike-harris/) * [Samantha Steckloff](https://giftcard.news/person/samantha-steckloff/) ### Sources and documents * [\[S01\] Governor confirms October 5 signing of HB4598 and HB4599](https://www.michigan.gov/whitmer/news/press-releases/2026/10/05/whitmer-signs-bipartisan-bills-to-protect-michigan-children-consumers-communities?utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news) — Executive Office of the Governor of Michigan * [\[S02\] Sponsor explains gift-card fraud mechanics and signed act numbers](https://gophouse.org/posts/rep-harris-plan-cracking-down-on-gift-card-fraud-becomes-law?utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news) — Michigan House Republicans / Representative Mike Harris * [\[S03\] Public Act 109 chaptered text, reproduced by LegiScan](https://legiscan.com/MI/text/HB4598/2025?utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news) — Michigan Legislature, reproduced by LegiScan * [\[S04\] Public Act 110 chaptered definitions, reproduced by LegiScan](https://legiscan.com/MI/text/HB4599/id/3462126?utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news) — Michigan Legislature, reproduced by LegiScan Share [ ](https://x.com/intent/post?url=https%3A%2F%2Fgiftcard.news%2Ffraud-security%2Fmichigan-gift-card-fraud-organized-retail-crime-laws%2F%3Futm%5Fsource%3Dx%26utm%5Fmedium%3Dsocial&text=Michigan+signs+gift-card+fraud+offences+into+organized+retail+crime+law&utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news "X") [ ](https://www.linkedin.com/sharing/share-offsite/?url=https%3A%2F%2Fgiftcard.news%2Ffraud-security%2Fmichigan-gift-card-fraud-organized-retail-crime-laws%2F%3Futm%5Fsource%3Dlinkedin%26utm%5Fmedium%3Dsocial&utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news "LinkedIn") [ ](https://wa.me/?text=Michigan+signs+gift-card+fraud+offences+into+organized+retail+crime+law+https%3A%2F%2Fgiftcard.news%2Ffraud-security%2Fmichigan-gift-card-fraud-organized-retail-crime-laws%2F%3Futm%5Fsource%3Dwhatsapp%26utm%5Fmedium%3Dsocial&utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news "WhatsApp") ![Portrait of Daniel Brooks](https://giftcard.news/images/variants/v1/daniel-brooks-editorial-portrait-w320.webp) About the author ## [Daniel Brooks](https://giftcard.news/author/daniel-brooks/) Journalist — Payments, Security & PCI DSS Daniel Brooks covers payment networks, financial technology, payment security, gift card fraud and PCI DSS for Gift Card News. From reading to building ## Your next move in gift cards. Tell us what you’re building. We’ll help you explore suitable providers. 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