Consumer Protections

Consumer Protection

The Michigan Department of Insurance and Financial Services’ Office of Consumer Services staffs a hotline that can answer consumer questions related to insurance, banks, credit unions, mortgage loans, credit cards, pay day loans, money transmitters, debt management and regulatory loans. Callers with question should call DIFS’  toll-free hotline 877-999-6442 or DIFSComplaints@michigan.gov.  Callers may also file a complaint online at  www.michigan.gov/DIFSComplaints.    

DIFS also has the Health Insurance Consumer Assistance Program (HICAP), which offers free help to consumers with questions, disputes or complaints with their health insurance www.Michigan.gov/HICAP.  Consumers may email DIFS-HICAP@michigan.gov directly with any health-related questions or concerns and our Health Insurance Specialist will respond back directly.

If a consumer disagrees with a decision made by their health insurer regarding a health care claim, they have the right to appeal the decision with DIFS under the Patient’s Right to Independent Review Act (PRIRA). Below is a link to file a request for an external review with DIFS.

Health Care Request for External Review form

DIFS has several resources available for consumers currently on their Financial Literacy page, including information related to credit, money and mortgages.

Information related to all lines of insurance, banks, credit unions, consumer finance and mortgages is available under our Consumers page at  www.michigan.gov/DIFS.