SB 349

Medical Debt - Complaints for Money Judgment and Real Property Liens

Sponsor: Sara Love (District 16)Committee: Judicial ProceedingsSubject: Real PropertyStatus: Approved by the Governor - Chapter 497 (as of Dec 1, 2025)

What this bill does

Official synopsis

Establishing certain requirements for a complaint for a money judgment for medical debt; defining 'medical debt' as a debt owed by a consumer to a person, the person's agent or assignee for the provision of medical services, products, or devices; providing that medical debt does not include debt charged to a credit card except under certain circumstances; prohibiting the creation of a lien on owner-occupied residential property for the payment of medical debt; and applying the Act prospectively.

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Analysis reads the bill text, the fiscal note, and the witness list. It is generated by Claude and reviewed by nobody, so check the source documents before you rely on it.

Testimony (0)

MGA witness list

FAV 23FavorableFWA 2Favorable with amendmentsUNF 6Unfavorable

Position	Witness	Organization	Testimony
FAV	Amador, Ninfa	CASA	Written (PDF)
FAV	Moore, Tonaeyalobbyist	CASH Campaign of Maryland	Written (PDF)
FAV	Sarro, Lisa	Community Legal Services	Written (PDF)
FAV	Schneiderman, Franzlobbyist	Consumer Auto	Written (PDF)
FAV	Schneiderman, Franzlobbyist	Consumer Auto	Written (PDF)
FAV	Hudson, Lee	Delaware-Maryland Synod, ELCA	Position only
FAV	White, Marcelinelobbyist	Economic Action Maryland	Oral + Written (PDF)
FAV	Kelter, Chris	Maryland Centers for Independent Living	Position only
FAV	Plante, Cecilia	Maryland Legislative Coalition	Written (PDF)
FAV	Plante, Cecilia	Maryland Legislative Coalition	Written (PDF)
FAV	Love, Sara	Maryland State Senator	Written (PDF)
FAV	Love, Sara	Maryland State Senator	Written (PDF)
FAV	Williams, Irnise	OAG	Written (PDF)
FAV	Zekiel, Gretchen	Office of Senator Sara Love	Written (PDF)
FAV	Coleman, Ryan	President, Randallstown NAACP	Position only
FAV	Woolard, Ashley	Public Justice Center	Written (PDF)
FAV	Woolard, Ashley	Public Justice Center	Written (PDF)
FAV	Kaplowitz, Richard KAP	Year	Written (PDF)
FAV	Coooper, Lynetta	Individual	Written (PDF)
FAV	Davis, Anthony	Individual	Written (PDF)
FAV	Mauer, William	Individual	Position only
FAV	Senator Love, Senator Lovelegislator	Individual	Oral
FAV	Senator Love, Senator Lovelegislator	Individual	Oral
UNF	Madden, Andy	ACA	Written (PDF)
UNF	Watkins, Caronlobbyist	Harris Jones & Malone	Position only
UNF	Whiteman, Scott	Levy & Associates, LLC	Written (PDF)
UNF	Wayland, Franci	PRA Group, Inc.	Written (PDF)
UNF	Jones, Lisalobbyist	Individual	Oral
UNF	Peters, Scott	Individual	Oral + Written (PDF)
FWA	Williams, Irnise	OAG	Oral + Written (PDF)
FWA	Kaplowitz, Richard KAP	Year	Written (PDF)

Organizations on record

ACAUNF 1

CASAFAV 1

CASH Campaign of MarylandFAV 1

Community Legal ServicesFAV 1

Consumer AutoFAV 2

Delaware-Maryland Synod, ELCAFAV 1

Economic Action MarylandFAV 1

Harris Jones & MaloneUNF 1

Levy & Associates, LLCUNF 1

Maryland Centers for Independent LivingFAV 1

Maryland Legislative CoalitionFAV 2

Maryland State SenatorFAV 2

OAGFAV 1FWA 1

Office of Senator Sara LoveFAV 1

PRA Group, Inc.UNF 1

President, Randallstown NAACPFAV 1

Public Justice CenterFAV 2

YearFAV 1FWA 1

Registered lobbyists who testified

FAVMoore, TonaeyaCASH Campaign of MarylandRegistered for: CASH Campaign of Maryland

FAVSchneiderman, FranzConsumer AutoRegistered for: Auto Consumer Alliance; Consumer Auto

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

UNFWatkins, CaronHarris Jones & MaloneRegistered for: AFT Maryland; Aligned Data Centers; Associated Black Charities; Associated Builders & Contractors; Association of Social Work Boards (ASWB) on behalf of National Strategies, LLC; Baltimore Civic Fund, Inc.…

UNFJones, LisaRegistered for: Aligned Data Centers; American Academy of Anesthesiology Assistants, Inc.; Associated Black Charities; Associated Builders & Contractors; Association of Social Work Boards (ASWB) on behalf of National Strategies, LLC; Atmosphere Data Centers LLC…