SB 659

Consumer Protection - Electronic Funds Transfers - Regulations (Elder Fraud Prevention Act of 2025)

Sponsor: Justin Ready (District 5)Committee: FinanceSubject: Commercial Law - GenerallyStatus: Hearing 2/20 at 1:00 p.m. (as of Dec 1, 2025)

What this bill does

Official synopsis

Requiring the Commissioner of Financial Regulation to adopt consumer protection regulations for domestic electronic funds transfers that apply to financial institutions in the State and are consistent with the federal Electronic Fund Transfer Act; etc.

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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 14FavorableUNF 5Unfavorable

Position	Witness	Organization	Testimony
FAV	Morgan, Karen	AARP	Oral + Written (PDF)
FAV	Miicke, Sarahlobbyist	Baltimore Jewish Council	Written (PDF)
FAV	Moore, Tonaeyalobbyist	CASH Campaign of Maryland	Written (PDF)
FAV	Straughn, Karen	Consumer Protection Division of the Office of the Attorney General	Written (PDF)
FAV	Gallagher, Zoelobbyist	Economic Action Maryland	Oral + Written (PDF)
FAV	McNichol, Pat	Kelly Guzzo, PLC	Oral
FAV	Doyle, Robert	MD Federation of NARFE SLC	Written (PDF)
FAV	Kelter, Chris	Maryland Centers for Independent Living	Position only
FAV	Steinwedel, William	Maryland Legal Aid Bureau	Oral + Written (PDF)
FAV	Plante, Cecilia	Maryland Legislative Coalition	Written (PDF)
FAV	Ready, Justin	Maryland State Senate	Written (PDF)
FAV	Proctor, Karessa	NASW Maryland	Written (PDF)
FAV	Lang, Alan	Individual	Position only
FAV	Senator Ready, Senator Readylegislator	Individual	Oral
UNF	Richards, Evanlobbyist	Maryland Bankers Association	Oral + Written (PDF)
UNF	Enten, robert	Maryland Building Industry Assoc	Oral
UNF	Hilberg, Trey	Miles & Stockbridge	Written (PDF)
UNF	Murray, Rorylobbyist	Individual	Oral
UNF	Wiggins, Grasonlobbyist	Individual	Written (PDF)

Organizations on record

AARPFAV 1

Baltimore Jewish CouncilFAV 1

CASH Campaign of MarylandFAV 1

Consumer Protection Division of the Office of the Attorney GeneralFAV 1

Economic Action MarylandFAV 1

Kelly Guzzo, PLCFAV 1

Maryland Bankers AssociationUNF 1

Maryland Building Industry AssocUNF 1

Maryland Centers for Independent LivingFAV 1

Maryland Legal Aid BureauFAV 1

Maryland Legislative CoalitionFAV 1

Maryland State SenateFAV 1

MD Federation of NARFE SLCFAV 1

Miles & StockbridgeUNF 1

NASW MarylandFAV 1

Registered lobbyists who testified

FAVMiicke, SarahBaltimore Jewish CouncilRegistered for: Baltimore Jewish Council

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

FAVGallagher, ZoeEconomic Action MarylandRegistered for: Maryland Consumer Rights Coalition DBA Economic Action Maryland

UNFRichards, EvanMaryland Bankers AssociationRegistered for: Maryland Bankers 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…

UNFWiggins, GrasonRegistered for: Maryland Chamber of Commerce; United Way of Central Maryland, Inc.; Madison Marquette Property Investments LLC; Maryland Automobile Insurance Fund; Family Tree, The; OVG Facilities…