Michigan House Passes Bill to Combat Bridge Card Fraud and Improve Accountability

The Michigan House of Representatives convened on September 3, 2025, to discuss House Bill 4746, aimed at enhancing the security of the state's bridge card system and addressing issues of fraud and error rates in benefit distribution. Representative Wolford presented the bill, emphasizing its importance in protecting Michigan families and taxpayers from significant financial losses due to fraudulent activities.

Wolford highlighted that the current bridge cards utilize outdated magnetic strip technology, which is vulnerable to skimming and fraud. He pointed out that transitioning to chip technology, already adopted by banks and retailers, could drastically reduce fraud rates. Citing statistics from Visa, he noted that the introduction of chip cards led to an 87% reduction in overall fraud, underscoring the need for Michigan to modernize its systems to safeguard taxpayer money.

The discussion also addressed the state's error rate in distributing Supplemental Nutrition Assistance Program (SNAP) benefits, which has cost Michigan nearly $1 billion over the past three years. Wolford warned that mismanagement could lead to a federal repayment of over $30 million next year, stressing the need for accountability and reform in the state's handling of these funds.

The bill was framed as a bipartisan issue, focusing on the shared responsibility of lawmakers to protect families and ensure efficient use of taxpayer dollars. Following the presentation, a record roll call vote was conducted, resulting in 77 votes in favor and 28 against, leading to the bill's passage. The majority floor leader subsequently moved for immediate effect, which was also approved by the House.

In conclusion, House Bill 4746 represents a significant step towards modernizing Michigan's bridge card system, aiming to reduce fraud and improve the accuracy of benefit distribution, thereby restoring trust in the program and protecting the interests of taxpayers.