DEPARTMENT OF INSURANCE AND FINANCIAL SERVICES  
GOOD MORAL CHARACTER  
PUBLIC HEARING TRANSCRIPT  
Date Held: Friday, October 21, 2022  
Location: Ottawa Building, Conference Room #6  
Attendees:  
Julie Merriman  
Michele Riddering  
Jill Huisken  
Good morning:  
This is a public hearing on proposed administrative rules titled, “Good Moral Character.” This hearing is  
conducted on behalf of the Michigan Department of Insurance and Financial Services, pursuant to the  
Administrative Procedures Act of 1969. My name is Julie Merriman. I am an Administrative Law  
Specialist at the Department and will be facilitating hearing today.  
This hearing is called to order at 10:04 am, on October 21, 2022, and is taking place in Lansing at the  
Ottawa Building, Conference Room 6.  
This hearing was published in three newspapers of general circulation, as well as in the October 1, 2022,  
issue of the Michigan Register.  
Please know, we are here today to receive your comments on the proposed rules. If you wish to speak,  
please make sure you have signed in and indicated your willingness to speak. We will call on speakers in  
the order in which names are listed on the sign in sheet.  
When you come forward to speak, please identify yourself with your name, the organization you  
represent, and both your mailing and email address so that this information can be transcribed into the  
hearing report.  
If you have additional comments to submit in writing, you may leave them here or submit them to the  
Department no later than 5:00 pm today.  
We will now begin calling on individuals to see if they would like to speak. Let the record reflect that  
there is no individuals present wishing to speak. We will take a short recess and reconvene at 10:30 am.  
It is now 10:32 am, we are back from our recess. If there are no further comments, I declare this hearing  
closed. Any additional comments regarding the proposed rules must be submitted in writing to: Michele  
Estrada by email to estradam1@michigan.gov.  
The record will remain open until today at 5:00 p.m. Again, the current time is 10:33 am.  
Thank you.  
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