Section 445.904 - Exemptions; burden of proof(1) This act does not apply to either of the following:(a) A transaction or conduct specifically authorized under laws administered by a regulatory board or officer acting under statutory authority of this state or the United States.(b) An act done by the publisher, owner, agent, or employee of a newspaper, periodical, directory, radio or television station, or other communications medium in the publication or dissemination of an advertisement unless the publisher, owner, agent, or employee knows or, under the circumstances, reasonably should know of the false, misleading, or deceptive character of the advertisement or has a direct financial interest in the sale or distribution of the advertised goods, property, or service.(2) Except for the purposes of an action filed by a person under section 11, this act does not apply to or create a cause of action for an unfair, unconscionable, or deceptive method, act, or practice that is made unlawful by any of the following: (a) The banking code of 1999, 1999 PA 276, MCL 487.11101 to 487.15105.(b) 1939 PA 3, MCL 460.1 to 460.11.(c) The motor carrier act, 1933 PA 254, MCL 475.1 to 479.43.(d) The savings bank act, 1996 PA 354, MCL 487.3101 to 487.3804.(e) The credit union act, 2003 PA 215, MCL 490.101 to 490.601.(3) This act does not apply to or create a cause of action for an unfair, unconscionable, or deceptive method, act, or practice that is made unlawful by chapter 20 of the insurance code of 1956, 1956 PA 218, MCL 500.2001 to 500.2093, if either of the following is met: (a) The method, act, or practice occurred on or after March 28, 2001.(b) The method, act, or practice occurred before March 28, 2001. However, this subdivision does not apply to or limit a cause of action filed with a court concerning a method, act, or practice if the cause of action was filed in a court of competent jurisdiction on or before June 5, 2014.(4) The burden of proving an exemption from this act is upon the person claiming the exemption.Amended by 2014, Act 251,s 1, eff. 3/28/2001 (retroactive).Amended by 2003, Act 216, s 1, eff. 12/2/2003.1976, Act 331, Eff. 4/1/1977 ;--Am. 1993, Act 10, Imd. Eff. 3/31/1993 ;--Am. 2000, Act 432, Eff. 3/28/2001.