Financial Disclosure Requirements in Michigan Divorce

Last Reviewed: October 19, 2026 | Next Scheduled Review: February 2027 | Primary Authority: Michigan Court Rule 3.206(C)

By DivorceAudit.com Editorial Team | Reviewed for Accuracy by the DivorceAudit.com Editorial Review Team

Published: August 25, 2026 | Last Updated: October 19, 2026

Key Takeaways

Michigan generally requires each spouse to serve a Verified Financial Information Form unless a written waiver or qualifying final settlement or order applies.
The form is generally due within 28 days after service of the defendant’s initial responsive pleading, subject to the exceptions in the court rule.
The form is served on the other party, and proof of service must be filed with the court.
A party who has served the form must supplement or correct it if they later learn it is materially incomplete or incorrect.
The required form does not replace other financial discovery that may be appropriate in a case.

Explain: What Michigan Generally Requires

Divorce in Michigan generally involves both spouses sharing financial information so that the issues in the case can be considered using an accurate picture of their circumstances. This guide explains the form involved, the general deadline, and practical ways to organise your own financial records.

The process is not about drawing conclusions from a single document. It is about providing the required information, keeping relevant records organised, and understanding when you may need professional guidance.

This guide is educational only. It explains Michigan’s general rules in plain English; it is not legal advice and does not replace guidance from a family law attorney licensed in Michigan. DivorceAudit.com does not investigate anyone’s finances, take sides, or predict how a particular case will turn out. If you are unsure how a rule applies to your circumstances, ask your attorney.

For the general principles behind financial disclosure across states, see our Financial Disclosure Guide.

The Michigan disclosure rule

Primary authority: Michigan Court Rule 3.206(C) sets out requirements for verified financial information in covered domestic-relations cases. It also addresses correction or supplementation, the filing of proof of service, and possible consequences for noncompliance.

Required form: The Domestic Relations Verified Financial Information Form, SCAO form CC 320, is published by Michigan’s State Court Administrative Office. You can find it on the official CC 320 form page. This form plays a similar role to the general financial affidavit used in most states. For a general explanation of financial affidavits, see What Is a Financial Affidavit?

Who generally provides it? Each party must generally serve the form unless a written waiver applies or a qualifying settlement agreement, consent judgment of divorce, or other final order has been signed by both parties at the time of filing. The rule contains specific qualifications, so do not assume an exception applies without checking the circumstances.

Service versus filing: The form is generally served on the other party rather than filed with the court. Proof of service must be filed when the disclosure forms are served.

Deadline: The general deadline is within 28 days following service of the defendant’s initial responsive pleading, subject to the exceptions and special circumstances set out in MCR 3.206(C).

For context on how disclosure and other information requests fit into the wider process, see our Divorce Discovery Timeline.

What financial information is involved?

The CC 320 form concerns verified financial information. Depending on the circumstances, organising that information may involve records relating to income and benefits, assets and accounts, and debts and expenses. See our guides on hidden income, what counts as a marital asset, and debt division for explanations of what each category commonly includes.

The table below is a practical way to organise your own records. It is not a substitute for the official form, and it does not establish a universal document list or lookback period for every Michigan divorce.

Category	Examples of records to organise	Practical note
Income and benefits	Pay statements, tax returns, benefit statements and other income records	Keep the relevant periods together so figures can be understood in context.
Assets and accounts	Bank and investment statements, retirement account records and property information	Record what each document covers and the date of the information.
Debts and expenses	Loan statements, credit card balances, recurring expense records and support obligations	Keep current balances distinct from older statements.
Additional financial interests	Business, trust or other relevant financial records, where applicable	Ask your attorney which records are relevant to your circumstances.

There is no single lookback period that should be assumed for every document or every issue. The records needed may depend on the applicable rules, the issues in the case, and any additional requests or court orders.

For a broader explanation of common financial records, see Financial Documents for Divorce.

Organise: Keeping Your Michigan Financial Records Current

A form that was accurate when it was served can still need updating. Michigan’s rule requires a party to supplement or correct a Verified Financial Information Form if they later learn it is materially incomplete or incorrect, so it is sensible to keep your own records organised and raise material changes with your attorney.

A practical approach is to:

Keep documents together by category. Separate income records, account statements, asset information, debts, and expenses.
Record the dates covered. Note the statement period or reporting date so you can distinguish current information from older records.
Keep a simple document list. Mark what you have located, what you are waiting for, and what does not apply to your circumstances.
Note changes factually. If income, accounts, debts, or other relevant circumstances change, record what changed and when, without drawing conclusions about its legal significance.
Ask your attorney about corrections. If you believe information already served may need updating, ask how the applicable rule should be followed in your case.

For a structured way to compare financial information with supporting records, see the Financial Affidavit Completeness Check. You can also use the Interactive Disclosure Checklist to work through document categories, or consult our Financial Disclosure Document Checklist for a broader list of records that may be relevant.

Michigan Financial Disclosure Checklist

Use this as a practical organising aid. It is not an official Michigan court form and does not determine whether your disclosure meets every legal requirement.

Documents located

☐ Recent tax returns relevant to the case
☐ Pay statements or other income records
☐ Bank and investment account statements
☐ Retirement account statements
☐ Records of relevant debts and recurring expenses
☐ Other financial records relevant to your circumstances

Items to confirm

☐ The applicable Verified Financial Information Form (CC 320)
☐ Whether the form has been served as required
☐ Whether proof of service has been filed
☐ Whether any correction or supplement may be needed
☐ Whether additional documents or discovery requests apply to the case

Qualify: What the Form Does and Does Not Tell You

The Verified Financial Information Form is one part of the financial information process. It does not prevent other discovery where further information is appropriate.

Michigan’s rules also provide ways for disclosure or discovery noncompliance to be addressed. The available procedure and any outcome depend on the circumstances and the applicable rules.

Possible court action: MCR 3.206(C) states that failure to provide the Verified Financial Information Form may be addressed by the court or by motion consistent with MCR 2.313, which it expressly references. Michigan’s broader discovery rules, including MCR 2.302, may also be relevant depending on the case.
Correction or supplementation: The rule requires a party to correct or supplement a Verified Financial Information Form if they later learn it is materially incomplete or incorrect. Ask your attorney how this applies to your particular documents and situation.
Case-specific consequences: Michigan decisions may provide examples of how courts have dealt with financial-information and discovery issues. Toal v. Toal, Nos. 289435 and 291267 (Mich. Ct. App. Apr. 20, 2010), is an unpublished opinion and is not binding precedent. Its specific relevance to the issues discussed here should be checked against the opinion itself.

A missing document or an unexplained figure does not, by itself, establish that anyone has acted improperly. There may be an ordinary explanation, the information may be incomplete, or further context may be needed. The significance of a particular issue is a matter to discuss with a qualified attorney.

For a general explanation of the process, see our Guide to Divorce Discovery.

Route: Questions, Resources, and Sources

Frequently Asked Questions

Does Michigan require financial disclosure in a divorce?

Generally, yes. MCR 3.206(C) requires service of a Verified Financial Information Form unless a qualifying exception applies. The rule should be checked for the particular circumstances, including any written waiver or qualifying settlement or final order.

What form is used for financial disclosure in Michigan?

The form is the Domestic Relations Verified Financial Information Form, SCAO CC 320, published by Michigan’s State Court Administrative Office. The official form is available here.

When is Michigan’s financial disclosure form due?

The general deadline is within 28 days following service of the defendant’s initial responsive pleading. Exceptions and special circumstances are set out in MCR 3.206(C). If you are unsure how the deadline applies to your case, confirm it with your attorney.

Is the Michigan disclosure form filed with the court?

Generally, the form is served on the other party rather than filed with the court. Proof of service must be filed when the disclosure forms are served. Check the current court rule and ask your attorney if you are unsure what is required in your circumstances.

What if my financial information becomes outdated or incomplete?

Michigan’s rule requires a party to correct or supplement a Verified Financial Information Form if they later learn it is materially incomplete or incorrect. Keep a record of what has changed and ask your attorney whether a correction or supplement is required. The Financial Affidavit Completeness Check can help you organise the information and questions you want to discuss.

Can a Michigan court address incomplete financial disclosure?

The court rules provide procedures for addressing noncompliance. If you believe a party has not provided required information, the article What Happens If a Spouse Refuses Financial Disclosure? provides general educational context. Which procedure or outcome may be appropriate depends on the facts, the applicable rule, and the circumstances of the case. An educational article cannot predict what a court will do.

Is a waiver available for Michigan’s disclosure requirement?

MCR 3.206(C) provides for a written waiver and also addresses circumstances involving a settlement agreement, consent judgment of divorce, or other final order signed by both parties at the time of filing. Whether an exception applies should be confirmed against the current rule and the facts of the case.

How can I organise my Michigan financial disclosure?

Start by grouping relevant records into categories such as income, accounts, assets, debts, and expenses. Note the dates covered by each record and keep a list of items you have located or still need. Financial Documents for Divorce provides a broader organisational aid.

Does the CC 320 form replace other financial discovery?

No. MCR 3.206(C) states that the disclosure form does not preclude other discovery. Additional information may be requested or required depending on the issues and circumstances of the case. See our Guide to Divorce Discovery for a general explanation.

Resources and Next Steps

If you are unsure which requirements apply to your case, consider speaking with a family law attorney licensed in Michigan. An attorney can help you understand the applicable rule, any relevant exception, and whether additional records or a correction may be needed.

To organise your documents, you can start with these educational resources:

These resources are educational tools for organising information and preparing questions. They do not determine whether a disclosure is legally complete or what a court should decide.

Primary Sources and Authorities

Michigan Court Rule 3.206(C): official Michigan court rules.
Michigan Court Rule 2.313, expressly referenced in MCR 3.206(C) for noncompliance, and Michigan’s broader discovery rules, including MCR 2.302: official Michigan court rules.
Domestic Relations Verified Financial Information Form (SCAO CC 320): official form PDF.
Toal v. Toal, Nos. 289435 and 291267 (Mich. Ct. App. Apr. 20, 2010): official opinion PDF. This is an unpublished opinion and is not binding precedent. Its specific relevance to the discussion above has not been verified against the opinion text.