HB 1009

Mortgage Servicers - Requirements and Prohibitions During and After a State of Emergency and Catastrophic Health Emergency (Foreclosure Relief Act of 2021)

Sponsor: Vaughn Stewart (District 19)Committee: Economic MattersSubject: Real PropertyStatus: Unfavorable Report by Economic Matters (as of Dec 1, 2021)

What this bill does

Official synopsis

Prohibiting a certain mortgage servicer from commencing or completing an action to foreclose a mortgage or deed of trust during a state of emergency and catastrophic health emergency; requiring a servicer to grant a forbearance to a borrower under certain circumstances; prohibiting a period of forbearance from lasting more than 180 days except under certain circumstances; requiring a servicer to notify a borrower of a certain right to mediation under certain circumstances; etc.

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Testimony (26)

MGA witness list

FAV 12FavorableFWA 3Favorable with amendmentsUNF 10UnfavorableINFO 1Information only

Position	Witness	Organization	Testimony
FAV	Bradford, Mary	Beyond the Boundaries	Written (PDF)
FAV	Klingenmaier, Lisalobbyist	Catholic Charities of Baltimore	Written (PDF)
FAV	Kraska, MJ	Maryland Catholic Conference	Written (PDF)
FAV	Plante, Cecilia	Maryland Legislative Coalition	Written (PDF)
FAV	Jefferson , Staceylobbyist	Marylanders Against Poverty	Written (PDF)
FAV	Losak, Matthew	Montgomery County Renters Alliance, Inc.	Written (PDF)
FAV	Chun, Yung	Individual	Written (PDF)
FAV	Delegate Stewart, Delegate Stewartlegislator	Individual	Oral
FAV	Lent, Michael	Individual	Position only
FAV	Miicke , Sarahlobbyist	Individual	Written (PDF)
FAV	Stewart, Vaughn	Individual	Written (PDF)
FAV	White, Marcelinelobbyist	Individual	Oral + Written (PDF)
UNF	Ellman, Eric	CDIA	Oral + Written (PDF)
UNF	DiPietro, Chris	CDi Consulting Services, L.L.C. on behalf of Microsoft	Oral
UNF	Nadel, Scott	Coalition of Maryland Mortgage Attorneys (CMMA)	Oral
UNF	Weintraub, Jasonlobbyist	MTHA	Oral
UNF	Favazza, Johnlobbyist	Manis Canning & Associates	Oral
UNF	Lehman, Mindy	Maryland Bankers Assocation	Oral + Written (PDF)
UNF	Enten, Robert	Maryland Building Industry Assoc	Oral
UNF	Graf, Lorilobbyist	Maryland Building Industry Association	Written (PDF)
UNF	Looby, Ramon	Individual	Oral
UNF	Murray, Rorylobbyist	Individual	Oral
FWA	Jacobson, beth	NAACP	Oral
FWA	Lawrie, William	Office of the Attorney General, Consumer Protection Division	Written (PDF)
FWA	Webber, Scott	Vaping Awareness Public Education Society	Oral + Written (PDF)
INFO	Cunningham, Joseph	Individual	Written (PDF)

Organizations on record

Beyond the BoundariesFAV 1

Catholic Charities of BaltimoreFAV 1

CDi Consulting Services, L.L.C. on behalf of MicrosoftUNF 1

CDIAUNF 1

Coalition of Maryland Mortgage Attorneys (CMMA)UNF 1

Manis Canning & AssociatesUNF 1

Maryland Bankers AssocationUNF 1

Maryland Building Industry AssocUNF 1

Maryland Building Industry AssociationUNF 1

Maryland Catholic ConferenceFAV 1

Maryland Legislative CoalitionFAV 1

Marylanders Against PovertyFAV 1

Montgomery County Renters Alliance, Inc.FAV 1

MTHAUNF 1

NAACPFWA 1

Office of the Attorney General, Consumer Protection DivisionFWA 1

Vaping Awareness Public Education SocietyFWA 1

Registered lobbyists who testified

FAVKlingenmaier, LisaCatholic Charities of BaltimoreRegistered for: Catholic Charities

FAVJefferson , StaceyMarylanders Against PovertyRegistered for: Behavioral Health System Baltimore

FAVMiicke , SarahRegistered for: Baltimore Jewish Council

FAVWhite, MarcelineRegistered for: Maryland Consumer Rights Coalition DBA Economic Action Maryland; Maryland Consumer Rights Coalition

UNFWeintraub, JasonMTHARegistered for: AFSCME Council 3; Albertsons Companies, Inc.; American Property Casualty Insurance Association; COPT Defense Properties; CVS Health; CareFirst BlueCross BlueShield…

UNFFavazza, JohnManis Canning & AssociatesRegistered for: Adventist HealthCare, Inc.; Alkermes; American Chemistry Council; Amrize North America Inc., formerly Holcim Participations (US) Inc.; Baltimore Cyber Range LLC dba BCR Cyber; Baltimore Ravens…

UNFGraf, LoriMaryland Building Industry AssociationRegistered for: Maryland Building Industry Association

UNFMurray, RoryRegistered for: Alliance to Prevent Legionnaire's Disease; American Council of Engineering Companies/MD; Association of Independent Maryland and D.C. Schools; Chesapeake Watershed Restoration Professionals; Kaiser Permanente; Lightstar Renewables…