Michigan

Notification requirements applicable to individuals or entities that own, license or maintain covered info. Some types of businesses may be exempt from some or all of these requirements and non-commercial entities may be subject to different requirements.

First name or first initial and last name, plus: Social Security number; driver's license or state ID card number; or account, credit card or debit card number in combination with any required security or access code or password that would permit access to a resident's financial account.

Electronic Only.

Statute does not apply to information that is encrypted or redacted so long as encryption key was not accessed or acquired.

Unauthorized access and acquisition that compromises the security or confidentiality of the covered info, excluding certain good faith acquisitions by employees or agents.

Timing: Must be made without unreasonable delay, consistent with any measures necessary to determine the scope of the breach and restore the reasonable integrity of the system.

Content: Notice must be communicated in a clear and conspicuous manner; describe the breach in general terms; describe the type of covered info subject to the breach; generally describe steps taken protect data against further breaches, if applicable; provide a telephone number the resident may call for assistance or additional info; and remind the resident of the need to remain vigilant for incidents of fraud and identity theft.

Method: By written, electronic or telephone notice. The statute specifies requirements for each type of notice. Substitute notice is available if certain criteria are satisfied.

Notification may be delayed if law enforcement determines that notification will impede a criminal or civil investigation or jeopardize national or homeland security.

Notification not required if entity determines that the breach has not and is not likely to cause substantial loss or injury to or result in identity theft with respect to one or more Michigan residents.

If more than 1,000 residents are notified, after notifying those residents the covered entity must notify all nationwide CRAs without unreasonable delay of timing and number of resident notices.

If you maintain covered info on behalf of another entity, you must notify them of a breach unless you determine that the breach has not and is not likely to cause substantial loss or injury to, or result in identity theft with respect to, one or more Michigan residents.

Violations may result in civil penalties. It is also a crime to falsely send out notices where no breach has occurred with the intent to defraud.