• November 15, 2010 
Declaratory Ruling Order No. 10-096-M Request for Declaratory Ruling Related to the Closing of Residential Mortgage Loans and Provision of Title Settlement Services

• June 7, 2006 
Declaratory Ruling 06-021-M Request of Priority Health regarding Small Employer Group Health Coverage

• Order regarding Chiropractors 
Denial of request for declaratory ruling

• October 6, 2005 
Whether municipal corporations in Michigan may lawfully become members of a self-insurance pool that consists of out-of-state municipal corporations.

• October 6, 2005 
Declaratory Ruling 2005-048-M
The assisted housing risk management association

• September 6, 2005 
Exercise of stock warrants under limited conditions.

• September 6, 2005 
Establishing limits on the holding of bank-owned life insurance.

• June 18, 2004 
In the matter of the sale of debt cancellation contracts and debt suspension agreements by depository institutions. Order No. 04-053-M

• June 1, 2004 
In the matter of domestic credit unions making deposits in, making loans to, making investments pursuant to MCL 490.431 in, or purchasing shares of, credit unions, including corporate credit unions, chartered in other states, the territories of the United States, or the United States and purchasing shares of savings banks.

• September 10, 2003 
In the matter of request by Martin Werner, Werner & Blank, LLC, for a declaratory ruling on an alternative asset test under the Michigan Savings Bank Act.

• May 8, 2002 
In the matter of a request by Sandra Traicoff, Howard & Howard, for a declaratory ruling on investment by state-chartered banks in trust preferred securities.

• February 14, 2001 
Declaratory Ruling 2001-012-M
Automobile dealer referral of customers to an insurance agency

• January 1, 2000
In the matter of a request by Rodney D. Martin on behalf of National City Bank for a Declaratory Ruling on the applicability of the Motor Vehicle Sales Finance Act to certain transactions.

• April 23, 1999
In Re: Request by Kenneth J. Rojc of Nisen & Elliott for a declaratory ruling on whether an installment seller licensed under the Motor Vehicle Sales Finance Act may finance negative equity under an installment sale contract.

• March 8, 1999
In the matter of Citizens First Savings Bank investing in a subsidiary which will engage in the business of performing real estate surveys pursuant to section 401(2) of Michigan's Savings Bank Act, as amended.

• February 6, 1998
In the Matter of the Request by Michael S. Freud/Connie Holzer/Tom Holzer for a Ruling on the applicability of the Motor Vehicle Sales Finance Act to certain transactions.

• June 13, 1997
In the Matter of the Request by ChoiceOne Bank, Sparta, Michigan, for a Ruling on whether the bank may own and operate a travel agency.

• December 13, 1996
In Re: Request by Willingham & Cote / Raymond J. Foresman, Jr. for a Declaratory Ruling on the applicability of the Motor Vehicle Sales Finance Act to certain transactions.

• October 7, 1996 
Declaratory Ruling 96-179-M
Payment of commissions to salaried sales employees who place policies through the Automobile Insurance Placement Facility

• January 9, 1996
In Re: Request by NBD Bank, Detroit, for a Declaratory Ruling on the applicability of Section 191(b) of the Michigan Banking Code of 1969 to certain credit card transactions.

• April 28, 1995 
Declaratory Ruling 95-301-M
Group credit insurance coverage of utility bills

• April 25, 1995
In Re: Request by Oak Brook/Cash Now Partners d/b/a Cash Connection for a Declaratory Ruling on the applicability of the Regulatory Loan Act of 1963, as amended, to certain transactions.

• March 30, 1995 
Declaratory Ruling 95-254-M
Original equipment manufacturer warranty programs not insurance

• January 24, 1995 
Declaratory Ruling 95-113-M
Original equipment manufacturer warranty not insurance

• September 12, 1994 
Declaratory Ruling 94-293-M
Holding company act, forms and instructions -- penalties for failing to file

• December 22, 1993 
Declaratory Ruling 93-15918-M
1993 PA 143 -- Validity of Referendum and effective date

• May 10, 1991
In Re: Application of Michigan National Corporation, Farmington Hills, Michigan for permission to engage in interstate banking activities throught the acquisition of Lockwood Banc Group, Houston, Texas.

• March 27, 1991 
Declaratory Ruling 91-11498-M
Soliciting insurance by offering to rebate premiums in another state

• March 23, 1990 
Declaratory Ruling 90-10919-M
Michigan surplus lines premium tax -- liability of group self-insurance basis

• June 27, 1989 
Declaratory Ruling 89-10141-M
Proposed Employee Life Insurance Program

• November 21, 1988 
Declaratory Ruling 88-9907-M
Operation of Self-Insurance -- certificates of authority

• November 21, 1988 
Declaratory Ruling 88-9907-M
Operation of Self-Insurance -- certificates of authority

• September 13, 1988
In Re: Request by Michigan National Corporation for a Declaratory Ruling on whether Michigan Bank - Midwest may acquire the stock of Michigan Bank - Mid-South for the purpose of a merger and simultaneous sale of the merged bank.

• July 18, 1988 
Declaratory Ruling 88-9721-M
Prohibited rebate of commission for counseling client and implementing policy

• February 29, 1988 
Declaratory Ruling 88-9459-M
Payment of pre-judgment interest on covered claims

• October 23, 1987
In Re: Request by Banc One Financial Services, Inc. for a Declaratory Ruling on whether a licensee under Act No. 21 of the Public Acts of 1939 is permitted to make a loan that is consummated through the United States Mail.

• July 6, 1987 
Declaratory Ruling 87-9017-M
Operation of self-insurance trusts -- certificates of authority

• June 25, 1987 
Application of Blue Cross Blue Shield Employees Credit Union to Invest in a Service Organization providing certain services and supplies to credit unions, credit union employees, and their members.

• June 16, 1987 
Declaratory Ruling 87-8986-M
Applicability of managerial-level conference and review process to audits of providers

• January 30, 1987 
Request by Michigan Services Credit Union and The Michigan Credit Union League for a declaratory ruling that a credit union may invest in or continue an investment in a service organization engaged in activities approved by the commissioner under the law as it exitsted prior to 1986 P.A. 278. (1).

• September 30, 1986 
Declaratory Ruling 86-8561-M
Reporting of salaries and compensation by health maintenance organizations

• September 29, 1986
In Re: Request by Household Finance Corporation for a Declaratory Ruling on the authority of licensees under the Secondary Mortgage Loan Act, (M.S.A. Sec. 26.568(1) et seq.) to make fixed rate and variable rate real estate secured revolving (open-end) loans pursuant to Title VIII of the Garn-St. Germain Depository Institutions Act of 1982, entitled "Alternative Mortgage Transactions Parity Act of 1982" (12 U.S.C. Section 3801 et seq.).

• June 26, 1986
In Re: Request by First Union Mortgage Corporation for a Declaratory Ruling on whether sections 802-804 of the Garn-St. Germain Depository Institutions Act of 1982 preempt state law restrictions on alternative mortgage transactions made by nonfederally chartered housing creditors contained in Section 23 (1)(C) of the Secondary Mortgage Act.

• June 17, 1986
In Re: Request by Michigan National Bank for a Declaratory Ruling on whether a late charge for a delinquent credit card payment or other default in payment constitutes "interest" or "interest and charges" and therefore is to be included in the calculation of the interest rate.

• March 14, 1986 
Declaratory Ruling 86-8263-M
Certificate of insurance for self-insured parent corporations and subsidiaries

• Bulletin 1986-1
Informational and Interpretive Statement on Open-End Second Mortage Loans.

• April 10, 1985
In Re: Request by Finance America Corporation for a Declaratory Ruling on the interpretation of Section 1(e) of Act 379 of the Public Acts of 1984.

• January 13, 1983
In Re: Request by Household Finance Corporation for a Declaratory Ruling on the interpretation of Sec. 21 of Act No. 125 of the Public Acts of 1981, as amended by 1982 PA 361.

• July 16, 1981 
Declaratory Ruling 81-2738-M
Continuation of coverage for handicapped dependent children

• October 23, 1981 
Request by a local finance Corporation for a Declaratory Ruling on the applicability of MCLA 493.15 to the purchase of regulatory loan contracts from other regulatory loan licensees

• October 16, 1978 
Declaratory Ruling 78-1235-M
Distribution of infant car seats by insurance companies

• 1974 
Request by Michigan Bankers' Association a Declaratory Ruling on the applicability of MCLA 490.1, et seq; MSA 23.481, et seq, to share drafts offered by credit unions