Mortgages

State (North Carolina)
North Carolina 2025-2026 Session

Modernize NC S.A.F.E. Act/2d Mortgage Fee Act [HB-762] [Firearms/Gun Control ] [Public Safety ] [Law Enforcement ] [Crime ] [Criminal Justice ]
Modernize NC S.A.F.E. Act/2d Mortgage Fee Act

  

Sponsored by: Rep. Mitchell Smith Setzer Signed By Gov. 7/1/2025 on 07/01/2025

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State (Maine)
Maine 132nd Legislature

An Act to Prevent Foreclosures Without Strict Compliance with Notice Requirements [SB-1444] [Real Estate ] [Housing ] [Consumer Protection ]
An Act to Prevent Foreclosures Without Strict Compliance with Notice Requirements

  

Sponsored by: Rep. Ryan M. Fecteau Carried Over, In The Same Posture, To Any Special Or Regular Session Of The 132nd Legislature, Pursuant To Joint Order Sp 800. on 06/25/2025

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State (Maryland)
Maryland 2025 Regular Session

Program to Protect Individuals Unemployed or Furloughed Due to Federal Actions - Establishment [HB-1557] [Labor, Jobs, Employment ] [Consumer Protection ] [Housing ] [Funding ] [Grants ] [Unemployment ] [Public Safety ] [Economic Development ]
Establishing the Program to Protect Individuals Unemployed or Furloughed Due to Federal Actions; requiring a credit reporting agency to place an adverse information freeze on a qualified individual's record; establishing requirements and prohibitions for certain financial institutions; prohibiting a public service company from terminating electric or gas service to a qualified individual; requiring a court to stay a foreclosure of a certain residential property; requiring the Department to administer the Program; etc.

  

Sponsored by: Rep. Jessica Feldmark Motion Rules Suspend For Late Introduction (delegate Feldmark) Adopted (101-34) on 03/26/2025

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State (North Carolina)
North Carolina 2025-2026 Session

Second Mortgage Fee Alignment Act [SB-675] [Finance ] [Real Estate ] [Housing ] [Consumer Protection ]
Second Mortgage Fee Alignment Act

  

Sponsored by: Sen. Joyce D. Waddell Passed 1st Reading on 04/15/2025

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State (Maryland)
Maryland 2025 Regular Session

Financial Institutions - Consumer Credit - Application of Licensing Requirements (Maryland Secondary Market Stability Act of 2025) [SB-1026] [Finance ] [Consumer Protection ] [Housing ]
Providing that certain provisions of law governing the licensing of providers of certain financial services in the State do not apply to a certain person that acquires or is assigned a certain mortgage, mortgage loan, or installment loan under certain circumstances or a certain trust that acquires or is assigned a certain mortgage loan under certain circumstances; establishing the Maryland Licensing Workgroup; and requiring the Workgroup to report to the Governor and the General Assembly by December 31, 2025.

  

Sponsored by: Sen. Pamela G Beidle Approved By The Governor - Chapter 118 on 04/22/2025

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State (Maryland)
Maryland 2025 Regular Session

Financial Institutions - Consumer Credit - Application of Licensing Requirements (Maryland Secondary Market Stability Act of 2025) [HB-1516] [Finance ] [Consumer Protection ] [Housing ] [Economic Development ]
Providing that certain provisions of law governing the licensing of providers of certain financial services in the State do not apply to a certain trust that acquires or is assigned a certain mortgage loan under certain circumstances; establishing the Maryland Licensing Workgroup to study and make recommendations on licensing requirements for persons that provide financial services in the State; and requiring the Workgroup to report to the Governor and the General Assembly by December 31, 2025.

  

Sponsored by: Rep. Pamela Queen Approved By The Governor - Chapter 119 on 04/22/2025

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State (Maryland)
Maryland 2025 Regular Session

Support and Protections for Individuals Affected by Federal Actions (Protect Our Federal Workers Act) [HB-1424] [Labor, Jobs, Employment ] [Budget and Spending ] [Funding ] [Human Services ] [Public Safety ] [Economic Development ]
Renaming the Federal Government Shutdown Employee Assistance Loan Fund to be the Federal Government Employee Assistance Loan Fund; authorizing funds appropriated to the Catastrophic Event Account to be expended to assist in funding costs connected to a relocation, closure, or mass layoff of a unit of the federal government; establishing the Expedited Hiring Program in the Department of Budget and Management; authorizing an appointing authority to recruit for certain vacant positions in State government; etc.

  

Sponsored by: Rep. Dana M Stein Approved By The Governor - Chapter 97 on 04/22/2025

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State (Maryland)
Maryland 2025 Regular Session

Real Property - Partition of Property - Liens [HB-1312] [Real Estate ] [Property Tax ]
Requiring a party to a partition action to timely notify the court of the type and amount of each outstanding lien on the property if the plaintiff does not procure a title report; and altering the calculation of the purchase price for the interest of a cotenant by subtracting the amount of outstanding liens owed on the property from the value of the entire parcel.

  

Sponsored by: Rep. Teresa E. Reilly Hearing 3/04 At 1:00 P.m. (environment And Transportation) on 02/07/2025

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State (Maryland)
Maryland 2025 Regular Session

Baltimore County - Transfer Tax - Exemption for First-Time Home Buyers [HB-1295] [Real Estate ] [Taxes ] [Housing ] [Property Tax ]
Exempting instruments of writing that transfer improved residential real property to certain first-time home buyers from the Baltimore County transfer tax.

  

Sponsored by: Rep. Robert B. Long Withdrawn By Sponsor on 03/04/2025

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State (Maryland)
Maryland 2025 Regular Session

Corporations and Associations - Revisions [SB-992] [Finance ] [Real Estate ] [Housing ]
Establishing a process for and certain exceptions to the transfer of assets that are collateral for securing a mortgage, pledge, or security interest without the approval of the stockholders; and repealing provisions of law specifying what shall be included in the articles of merger if a limited partnership or limited liability company is a party to the articles.

  

Sponsored by: Sen. Jeff D. Waldstreicher Referred Rules And Executive Nominations on 03/28/2025

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State (Maryland)
Maryland 2025 Regular Session

Residential Real Property Sales – Appraisals [HB-1151] [Real Estate ] [Housing ] [Consumer Protection ]
Providing that a seller or the seller's agent may provide certain information to an appraiser of residential real property at certain times and under certain circumstances; requiring an appraiser to provide a lender with certain information under certain circumstances and for the lender to provide notice of the information to a prospective buyer; requiring a buyer to work with a seller to provide certain information for an appraiser under certain circumstances; etc.

  

Sponsored by: Rep. Anne Healey Hearing 3/26 At 1:00 P.m. on 03/19/2025

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State (Maryland)
Maryland 2025 Regular Session

Corporations and Associations – Revisions [HB-1171] [Finance ] [Real Estate ]
Establishing a process for and certain exceptions to the transfer of assets that are collateral for securing a mortgage, pledge, or security interest without the approval of the stockholders; and repealing provisions of law specifying what shall be included in the articles of merger if a limited partnership or limited liability company is a party to the articles.

  

Sponsored by: Rep. Marlon Amprey Approved By The Governor - Chapter 111 on 04/22/2025

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State (Maryland)
Maryland 2025 Regular Session

Real Property - Insufficient Condominium Reserve Account Grant Fund - Establishment [HB-1040] [Real Estate ] [Housing ] [Community Development ] [Finance ] [Funding ] [Grants ] [Consumer Protection ]
Requiring regulated financial institutions to develop a community benefit plan in connection with applications to the Commissioner of Financial Regulation relating to financial services for purposes of providing safe and sound loans, and other financial products for low-and moderate-income individuals and communities and other distressed or underserved individuals and communities; requiring the Commissioner to exercise certain oversight authority relating to the adequacy of the community benefit plans and attainment of goals; etc.

  

Sponsored by: Rep. Samuel I Rosenberg Withdrawn By Sponsor on 02/10/2025

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State (Maryland)
Maryland 2025 Regular Session

Housing and Community Development - Division of Just Communities - Establishment [SB-890] [Housing ] [Community Development ] [Public Health ] [Grants ] [Funding ]
Establishing the Division of Just Communities in the Department of Housing and Community Development; transferring the authority to designate an area as a Just Community from the Governor to the Department; altering the criteria for designating an area as a Just Community; and transferring the administration of the Community Health and Safety Works Grant Program to the Division.

  

Sponsored by: Sen. Mary Washington Hearing 2/25 At 1:00 P.m. on 02/04/2025

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State (Maryland)
Maryland 2025 Regular Session

Credit Regulation - Reverse Mortgage Loans - Escrow Accounts [SB-831] [Finance ] [Housing ] [Real Estate ] [Consumer Protection ] [Senior Citizens ]
Requiring a lender for a reverse mortgage loan to establish a certain escrow account for the payment of eligible homeowner expenses, deduct a certain amount of funds from each loan distribution to a borrower, deposit the deducted funds into the escrow account, and deliver on-time payments from the escrow account to the appropriate collection entity for eligible homeowner expenses.

  

Sponsored by: Sen. Nick Charles Withdrawn By Sponsor on 03/10/2025

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State (Maine)
Maine 132nd Legislature

An Act to Protect Holders of Distressed Mortgages from Fraud [HB-403] [Real Estate ] [Consumer Protection ] [Housing ] [Finance ] [Law Enforcement ] [Public Safety ]
An Act to Protect Holders of Distressed Mortgages from Fraud

  

Sponsored by: Rep. Kristi Michele Mathieson Passed To Be Enacted. on 06/10/2025

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State (Maine)
Maine 132nd Legislature

An Act to Enable Mortgage Portability and Promote Housing Affordability in the State [SB-381] [Real Estate ] [Housing ] [Finance ] [Consumer Protection ]
An Act to Enable Mortgage Portability and Promote Housing Affordability in the State

  

Sponsored by: Sen. Matthew Harrington Pursuant To Joint Rule 310.3 Placed In Legislative Files (dead) on 03/20/2025

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State (Maryland)
Maryland 2025 Regular Session

Financial Institutions - Conventional Home Mortgage Loans - Assumption and Required Disclosures [HB-1018] [Finance ] [Real Estate ] [Housing ] [Insurance ] [Family-Related Legislation ] [Consumer Protection ]
Requiring banking institutions, credit unions, mortgage lenders, mortgage lending businesses, and mortgage loan originators to include a certain provision in certain conventional home mortgage loans authorizing a certain borrower to purchase the property interest of a certain borrower in connection with a decree of absolute divorce if the lending entity determines that the assuming borrower qualifies for the loan; applying certain provisions of the Act retroactively; etc.

  

Sponsored by: Rep. Andrew C. Pruski Approved By The Governor - Chapter 202 on 04/22/2025

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State (Maine)
Maine 132nd Legislature

Resolve, to Establish the Commission to Recommend Methods for Preventing Deed Fraud in the State [SB-353] [Real Estate ] [Consumer Protection ] [Crime ] [Public Safety ]
Resolve, to Establish the Commission to Recommend Methods for Preventing Deed Fraud in the State

  

Sponsored by: Sen. Teresa S. Pierce On Motion By Senator Pierce Of Cumberland Taken From The Special Study Table on 06/25/2025

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State (Maryland)
Maryland 2025 Regular Session

Real Property - Residential Foreclosures - Materially Delinquent Mortgages [SB-682] [Real Estate ] [Housing ] [Finance ] [Consumer Protection ]
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.

  

Sponsored by: Sen. Nick Charles Hearing 2/25 At 1:00 P.m. on 02/04/2025

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