SB 682

Real Property - Residential Foreclosures - Materially Delinquent Mortgages

Sponsor: Nick Charles (District 25)Committee: Judicial ProceedingsSubject: Real PropertyStatus: Hearing 2/25 at 1:00 p.m. (as of Dec 1, 2025)

What this bill does

Official synopsis

Altering certain requirements for an order to docket or a complaint to foreclose a mortgage or deed of trust on residential property; requiring a secured party to provide certain loan-related correspondence in order to enforce a materially delinquent mortgage, subject to certain exceptions; and permitting a mortgagor to raise a defense of laches in an action to enforce a materially delinquent mortgage.

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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 14FavorableFWA 1Favorable with amendmentsUNF 3Unfavorable

Position	Witness	Organization	Testimony
FAV	Moore, Tonaeyalobbyist	CASH Campaign of Maryland	Written (PDF)
FAV	Wilson Randall, Claudia	Community Development Network of Maryland	Oral + Written (PDF)
FAV	Sarro, Lisa	Community Legal Services	Oral + Written (PDF)
FAV	Wilpone-Welborn, Kira	Consumer Protection Division of the Maryland Office of the Attorney General	Written (PDF)
FAV	White, Marcelinelobbyist	Economic Action Maryland	Oral + Written (PDF)
FAV	Castro-Conroy, Carmen	Housing Initiative Partnership, Inc. (HIP)	Written (PDF)
FAV	Schumitz, Kalilobbyist	Maryland Center on Economic Policy	Written (PDF)
FAV	Steinwedel, William	Maryland Legal Aid Bureau	Oral + Written (PDF)
FAV	Hyland, Kathleen	Maryland Office of Financial Regulation	Oral
FAV	Hennen, Amy	Office of Financial Regulation, Maryland Department of Labor	Written (PDF)
FAV	Merchant, Meredith	Office of Financial Regulation, Maryland Department of Labor	Oral
FAV	Harris, Allison	Pro Bono Resource Center of Maryland	Written (PDF)
FAV	Girard, Meredith	Shore Legal Access (formerly Mid-Shore Pro Bono)	Written (PDF)
FAV	Senator Charles, Senator Charleslegislator	Individual	Oral
UNF	Enten, robert	Maryland Building Industry Assoc	Oral
UNF	Nadel, Jeffrey	Individual	Oral
UNF	Nadel, Scott	Individual	Oral
FWA	Walsh, Geoff	National Consumer Law Center	Oral + Written (PDF)

Organizations on record

CASH Campaign of MarylandFAV 1

Community Development Network of MarylandFAV 1

Community Legal ServicesFAV 1

Consumer Protection Division of the Maryland Office of the Attorney GeneralFAV 1

Economic Action MarylandFAV 1

Housing Initiative Partnership, Inc. (HIP)FAV 1

Maryland Building Industry AssocUNF 1

Maryland Center on Economic PolicyFAV 1

Maryland Legal Aid BureauFAV 1

Maryland Office of Financial RegulationFAV 1

National Consumer Law CenterFWA 1

Office of Financial Regulation, Maryland Department of LaborFAV 2

Pro Bono Resource Center of MarylandFAV 1

Shore Legal Access (formerly Mid-Shore Pro Bono)FAV 1

Registered lobbyists who testified

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

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

FAVSchumitz, KaliMaryland Center on Economic PolicyRegistered for: Maryland Center on Economic Policy