In Michigan, the mini-FTC act is the Michigan Consumer Protection Act.  Under this legislation, plaintiffs have a cause of action when any person who employs unfair, unconscionable, or deceptive methods, acts, or practices in the conduct of trade or commerce; defined as follows – proscribed acts.  To sustain an action, the plaintiff need not show actual harm due to the defendant’s conduct.  There is a statute of limitations for actions under the statute of six years after the occurrence nor more than one-year after the last payment in transaction.

            A successful plaintiff is entitled to damages, declaratory judgment and/or injunction as potential remedies for a violation.  Damages under the statute are capped unless the defendant’s violation of this act resulted from a bona fide error.  Class actions are permitted under the statute.