HB 523

Real Property - Residential Foreclosures - Commencement Restrictions

Sponsor: Dana Jones (District 30A)Committee: Economic MattersSubject: Real PropertyStatus: Special Order until later today (Senator Henson) Adopted (as of Sep 4, 2026)

What this bill does

Official synopsis

Establishing certain restrictions for the commencement of a foreclosure and an order to docket or a complaint to foreclose a mortgage or deed of trust on residential property.

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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 (23)

MGA witness list

FAV 16FavorableFWA 4Favorable with amendmentsUNF 3Unfavorable

Position	Witness	Organization	Testimony
FAV	Wilson Randall, Claudia	Community Development Network of Maryland	Oral + Written (PDF)
FAV	Sarro, Lisa	Community Legal Services	Written (PDF)
FAV	White, Marcelinelobbyist	Economic Action Maryland	Oral + Written (PDF)
FAV	Schumitz, Kalilobbyist	Maryland Center on Economic Policy	Written (PDF)
FAV	Jones, Dana	Maryland General Assembly	Written (PDF)
FAV	Steinwedel, William	Maryland Legal Aid Bureau	Written (PDF)
FAV	Merkel, Courtland	Maryland Volunteer Lawyers Service (MVLS)	Written (PDF)
FAV	Walsh, Geoff	National Consumer Law Center	Written (PDF)
FAV	Hennen, Amy	Office of Financial Regulation, Maryland Department of Labor	Oral + Written (PDF)
FAV	Merchant, Meredith	Office of Financial Regulation, Maryland Department of Labor	Oral
FAV	Reyes, Angel	Power to the People Law PLLC	Oral
FAV	Burroughs, Edward	Prince George's County Council	Oral
FAV	Harris, Allison	Pro Bono Resource Center of Maryland	Written (PDF)
FAV	Schneider, Glennlobbyist	The Horizon Foundation	Written (PDF)
FAV	Delegate Jones, D., Delegate Jones, D.legislator	Individual	Oral
FAV	Lent, Michael	Individual	Position only
UNF	Enten, Robert	Maryland Bankers Association	Oral
UNF	Richards, Evanlobbyist	Maryland Bankers Association	Written (PDF)
UNF	Nadel, Scott	Individual	Oral
FWA	Robinson, Phillip	Consumer Law Center LLC	Oral + Written (PDF)
FWA	Wilpone-Welborn, Kira	Consumer Protection Division of the Maryland Office of the Attorney General	Written (PDF)
FWA	Oliveri, John	MDLAC Community Association Institute	Written (PDF)
FWA	RASMUSSEN, DENNISlobbyist	The Rasmussen Group LLC	Written (PDF)

Organizations on record

Community Development Network of MarylandFAV 1

Community Legal ServicesFAV 1

Consumer Law Center LLCFWA 1

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

Economic Action MarylandFAV 1

Maryland Bankers AssociationUNF 2

Maryland Center on Economic PolicyFAV 1

Maryland General AssemblyFAV 1

Maryland Legal Aid BureauFAV 1

Maryland Volunteer Lawyers Service (MVLS)FAV 1

MDLAC Community Association InstituteFWA 1

National Consumer Law CenterFAV 1

Office of Financial Regulation, Maryland Department of LaborFAV 2

Power to the People Law PLLCFAV 1

Prince George's County CouncilFAV 1

Pro Bono Resource Center of MarylandFAV 1

The Horizon FoundationFAV 1

The Rasmussen Group LLCFWA 1

Registered lobbyists who testified

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

FAVSchneider, GlennThe Horizon FoundationRegistered for: Horizon Foundation of Howard County, Inc., The

UNFRichards, EvanMaryland Bankers AssociationRegistered for: Maryland Bankers Association

FWARASMUSSEN, DENNISThe Rasmussen Group LLCRegistered for: Baltimore Children's Museum, Inc. dba Port Discovery Children's Museum; Chesapeake Renewable Energy, LLC; Chesapeake Ventures Development, LLC; Greater Ocean City Maryland Chamber of Commerce, Inc.; HarborRock Holdings, LLC; Maryland Mortgage Bankers & Brokers Association (MMBBA)…