SB 353

Real Property - Residential Foreclosures - Commencement Restrictions

Sponsor: Nick Charles (District 25)Committee: Judicial ProceedingsSubject: Real PropertyStatus: Favorable with Amendments Report by Judicial Proceedings (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 (20)

MGA witness list

FAV 13FavorableFWA 3Favorable with amendmentsUNF 4Unfavorable

Position	Witness	Organization	Testimony
FAV	Muckle, Lonialobbyist	CASH Campaign of Maryland	Written (PDF)
FAV	Wilson Randall, Claudia	Community Development Network of Maryland	Written (PDF)
FAV	White, Marcelinelobbyist	Economic Action Maryland	Oral + Written (PDF)
FAV	Schumitz, Kalilobbyist	Maryland Center on Economic Policy	Written (PDF)
FAV	Steinwedel, William	Maryland Legal Aid Bureau	Written (PDF)
FAV	Hyland, Kathleen	Maryland Office of Financial Regulation	Oral
FAV	Merkel, Courtland	Maryland Volunteer Lawyers Service (MVLS)	Written (PDF)
FAV	Hennen, Amy	Office of Financial Regulation, Maryland Department of Labor	Written (PDF)
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	Schneider, Glennlobbyist	The Horizon Foundation	Written (PDF)
FAV	Harris, Mrs.	Individual	Position only
FAV	Senator Charles, Senator Charleslegislator	Individual	Oral
UNF	Enten, Robert	Maryland Bankers Association	Oral
UNF	Richards, Evanlobbyist	Maryland Bankers Association	Written (PDF)
UNF	Nadel, Jeffrey	Individual	Position only
UNF	Nadel, Scott	Individual	Oral
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

CASH Campaign of MarylandFAV 1

Community Development Network of MarylandFAV 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 Legal Aid BureauFAV 1

Maryland Office of Financial RegulationFAV 1

Maryland Volunteer Lawyers Service (MVLS)FAV 1

MDLAC Community Association InstituteFWA 1

Office of Financial Regulation, Maryland Department of LaborFAV 1

Pro Bono Resource Center of MarylandFAV 1

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

The Horizon FoundationFAV 1

The Rasmussen Group LLCFWA 1

Registered lobbyists who testified

FAVMuckle, LoniaCASH 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

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)…