HB 103

Enacted

Consumer Protection - Consumer Contracts - Prohibited Waivers

Sponsor: Vaughn Stewart (District 19)Committee: Economic MattersSubject: Commercial Law - Consumer ProtectionStatus: Approved by the Governor - Chapter 308 (as of Sep 4, 2026)

What this bill does

Official synopsis

Altering certain exemptions relating to a prohibition on a consumer contract that sets a shorter time to bring an action under or on the consumer contract under certain circumstances; prohibiting a consumer contract from waiving, limiting, impairing, or disclaiming certain remedies if authorized by federal or State law, subject to certain exemptions and a certain exception; prohibiting a waiver by agreement of certain provisions in the Act; 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 (22)

MGA witness list

FAV 15FavorableUNF 6UnfavorableINFO 1Information only

Position	Witness	Organization	Testimony
FAV	Sakamoto-Wengel, Steve	Consumer Protection Division	Written (PDF)
FAV	Sakamoto-Wengel, Steve	Consumer Protection Division	Written (PDF)
FAV	White, Marcelinelobbyist	Economic Action Maryland	Written (PDF)
FAV	White, Marcelinelobbyist	Economic Action Maryland	Oral + Written (PDF)
FAV	Steinwedel, William	Maryland Legal Aid Bureau	Oral + Written (PDF)
FAV	Themelis, Nina	Mayor's Office of Government Relations	Written (PDF)
FAV	Hines, Christine	National Association of Consumer Advocates	Oral + Written (PDF)
FAV	Hines, Christine	National Association of Consumer Advocates	Oral + Written (PDF)
FAV	Sovern, Jeff	University of Maryland	Oral + Written (PDF)
FAV	Delegate Stewart, Delegate Stewartlegislator	Individual	Oral
FAV	Delegate Stewart, Delegate Stewartlegislator	Individual	Oral
FAV	Kaplowitz, Richard	Individual	Written (PDF)
FAV	Rosa, Richard	Individual	Position only
FAV	Stewart, Delegate	Individual	Written (PDF)
FAV	Stewart, Vaughn	Individual	Written (PDF)
UNF	Enten, Robert	Maryland Bankers Association	Oral
UNF	Richards, Evanlobbyist	Maryland Bankers Association	Written (PDF)
UNF	Wiggins, Grasonlobbyist	Maryland Chamber of Commerce	Oral + Written (PDF)
UNF	Wiggins, Grasonlobbyist	Maryland Chamber of Commerce	Written (PDF)
UNF	Bereano, Brucelobbyist	Individual	Oral
UNF	durkin, margaretlobbyist	Individual	Written (PDF)
INFO	Frain, John	BGE	Written (PDF)

Organizations on record

BGEINFO 1

Consumer Protection DivisionFAV 2

Economic Action MarylandFAV 2

Maryland Bankers AssociationUNF 2

Maryland Chamber of CommerceUNF 2

Maryland Legal Aid BureauFAV 1

Mayor's Office of Government RelationsFAV 1

National Association of Consumer AdvocatesFAV 2

University of MarylandFAV 1

Registered lobbyists who testified

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

UNFRichards, EvanMaryland Bankers AssociationRegistered for: Maryland Bankers Association

UNFWiggins, GrasonMaryland Chamber of CommerceRegistered 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…

UNFBereano, BruceRegistered for: 5400 Holiday Drive LLC; Anne Arundel County Fair; Aurora Technical Systems; BWI Airport Fire Rescue Local 1742; BWI Airport Professional Firefighters; BWI Taxi Management, Inc.…

UNFdurkin, margaretRegistered for: TechNet