BillCam

Mortgages

Number	Legislature	Summary	Subjects
SB-155	State (Maryland)	Requiring, except under certain circumstances, certain lenders to serve on the borrower at least 30 day before a lender repossesses a mobile home a written notice of the lender's intention to repossess a certain mobile home; providing that a mobile home retailer has a duty of good faith and fair dealing in providing financial information to a prospective consumer borrower; prohibiting a mobile home retailer from steering a prospective consumer borrower to certain financing products; etc. Democrat: 83% (5) Republican: 16% (1) 83% Democrat support 16% Republican support	Commercial Law - Consumer Protection Financial Institutions Abandoned Property Consumer Protection Credit Debt Collection Disclosure Ethics Eviction Financial Regulation, Division Of
SB-107	State (Maryland)	Requiring a mortgagor or a grantor who secures a mortgage or deed of trust for the purchase of a single family dwelling unit that is subject to fees imposed by a common ownership community to pay the fees as part of the payments made under the mortgage or deed of trust; requiring a mortgagor or grantor to notify the mortgagee or grantee and the governing body of the common ownership community of the decision to pay the common ownership community fees to the mortgagee or grantee; etc. Democrat: 100% (1) 100% Democrat support	Real Property Condominiums Deeds Fees Homeowners Associations Mortgages
HB-25	State (Maryland)	Establishing that a provision in the declaration of a condominium or in a governing document of a homeowners association that requires any action on the part of a holder of a mortgage or deed of trust on a unit or a lot in order to make certain amendments shall be deemed satisfied if certain procedures are satisfied under certain circumstances; etc. Democrat: 100% (1) 100% Democrat support	Real Property Communications Condominiums Deeds Homeowners Associations Mortgages Notices
HB-218	State (Alabama)	Residential Mortgage Satisfaction Act, recordation of satisfaction to include commercial agricultural mortgages, make conforming changes, Sec. 35-10-27 repealed; Secs. 35-10-26, 35-10-30, 35-10-90, 35-10-91, 35-10-92, 35-10-94, 35-10-96 am'd. Republican: 100% (1) 100% Republican support	Mortgages
HB-182	State (Alabama)	Future Advance mortgages, provide that future indebtedness secures when mortgage created, Sec. 35-10-120 to 35-10-124, inclusive, added. Republican: 100% (1) 100% Republican support	Mortgages
HB-159	State (Alabama)	Mortgages, recording fee increased, distrib. to the Alabama Housing Trust Fund and the Alabama Homebuyer's Initiative, Sec. 40-22-2 am'd. Democrat: 100% (1) 100% Democrat support	Mortgages
HB-1640	State (Maryland)	Authorizing the creation of a State Debt in the amount of $300,000, the proceeds to be used as a grant to the Board of Directors of the Historic East Baltimore Community Action Coalition, Inc. for the acquisition, planning, design, construction, repair, renovation, reconstruction, site improvement, and capital equipping of the Historic Diamond Press Building, located in Baltimore City; providing for disbursement of the loan proceeds; etc. Democrat: 100% (3) 100% Democrat support	State Debt (bond Bills) Circuit Courts Condominiums Counties Financial Regulation, Division Of Foreclosure Homeowners Associations Mortgages Municipal Corporations Notices
SB-1101	State (Maryland)	Authorizing a borrower under a reverse mortgage loan to designate a person to whom specified notice must be sent by the reverse mortgage lender; requiring a reverse mortgage lender to send a copy of a specified notice to a person designated by the reverse mortgage borrower; requiring a reverse mortgage lender to send a specified notice to a reverse mortgage borrower and a specified person designated by the borrower 30 days after the lender makes a payment for specified property taxes or insurance; etc. Republican: 100% (1) 100% Republican support	Commercial Law - Credit Regulation Escrow Accounts Financial Institutions Insurance Mortgages Property Tax
HB-1515	State (Maryland)	Altering requirements for a specified final loss mitigation affidavit; altering the timeline for filing an action to foreclose a mortgage or deed of trust on residential property; requiring a specified notice of intent to foreclose to be accompanied by a loss mitigation application for specific loss mitigation programs that are applicable to a specified loan; requiring an order to docket or a complaint to foreclose a mortgage or deed of trust on residential property to include a specified affidavit; etc. Democrat: 100% (1) 100% Democrat support	Real Property Administrative Hearings, Office Of Disclosure Foreclosure Loans Mediation Mortgages Notices
HB-1376	State (Maryland)	Requiring a lender to substitute the name of a surviving spouse for the name of a deceased mortgagor in a mortgage if the surviving spouse is named in the deed of trust for the property but is not named in the mortgage, and submits to the lender a written request for substitution and a copy of the certificate of death of the deceased mortgagor; and requiring the lender to substitute the name of the surviving spouse in the mortgage within 30 days after receipt of a request. Republican: 100% (1) 100% Republican support	Commercial Law - Credit Regulation Financial Institutions Real Property Death Mortgages Spouses
SB-1033	State (Maryland)	Authorizing a secured party to petition a circuit court for leave to immediately commence an action to foreclose a mortgage or deed of trust on residential property if the property is vacant and abandoned under specified circumstances; requiring a secured party to send a copy of a specified petition to specified persons under specified circumstances; requiring a court to rule on a specified petition promptly after the petition is filed; applying the Act prospectively; etc. Republican: 50% (1) Democrat: 50% (1) 50% Republican support 50% Democrat support	Real Property Abandoned Property Circuit Courts Counties Foreclosure Mortgages Municipal Corporations Public Officials Citations Financial Regulation, Division Of
HB-1155	State (Maryland)	Allowing a subtraction modification under the Maryland income tax for income from the discharge of indebtedness related to specified costs incurred with respect to a principal residence; providing that the subtraction may not exceed $100,000 for an individual and $200,000 for a married couple filing jointly or specified individuals; applying the Act to taxable years beginning after December 31, 2016, but before January 1, 2019; etc. Democrat: 75% (3) Republican: 25% (1) 75% Democrat support 25% Republican support	Taxes - Income Debt Management Exemptions Income Tax Mortgages Sunset
HB-1180	State (Maryland)	Authorizing a court to appoint a receiver under specified circumstances; providing that a specified mortgagee is entitled to the appointment of a receiver; requiring a court to appoint a receiver under specified circumstances; authorizing a court to condition the appointment of a receiver on the giving of a specified security under specified circumstances; authorizing a court to appoint a specified person as an ancillary receiver for specified property; etc. Democrat: 100% (1) 100% Democrat support	Commercial Law - Generally Civil Actions And Procedures Appeals Civil Actions Clams Commerce And Business Contracts Courts Credit Damages
HB-1046	State (Maryland)	Altering specified timing requirements for filing an action to foreclose a mortgage or deed of trust on residential property; authorizing the Office of Administrative Hearings to hold a prehearing conference before a prefile mediation session and before a postfile mediation session; and altering the rules of procedure for contested cases of the Office of Administrative Hearings that govern a foreclosure mediation on residential property. Democrat: 100% (1) 100% Democrat support	Real Property Administrative Hearings, Office Of Deeds Foreclosure Mediation Mortgages Notices
HB-1077	State (Maryland)	Authorizing a court order establishing an attorney's lien that attaches to a settlement providing only for the conveyance of real property to be recorded in the land records of a specified county; and authorizing a specified attorney's lien to be enforced and foreclosed in the same manner and subject to the same requirements as the foreclosure of specified mortgages or deeds of trust. Republican: 100% (1) 100% Republican support	Business Regulation And Occupations Real Property Attorneys Counties Courts Deeds Foreclosure Land Records Liens Mortgages
SB-1022	State (Maryland)	Authorizing a secured party to petition the circuit court for leave to immediately commence an action to foreclose the mortgage or deed of trust on specified vacant and abandoned property; authorizing a county, municipal corporation, homeowners association, or condominium to notify a secured party of any vacant and abandoned property located in the county, municipal corporation, homeowners association, or condominium in a specified manner; specifying the contents of a specified notice; etc. Democrat: 100% (1) 100% Democrat support	Real Property Circuit Courts Condominiums Counties Financial Regulation, Division Of Foreclosure Homeowners Associations Mortgages Municipal Corporations Notices
SB-936	State (Maryland)	Altering requirements for a specified final loss mitigation affidavit; altering the timeline for filing an action to foreclose a mortgage or deed of trust on residential property; requiring a specified notice of intent to foreclose to be accompanied by a loss mitigation application for specific loss mitigation programs that are applicable to a specified loan; requiring an order to docket or a complaint to foreclose a mortgage or deed of trust on residential property to include a specified affidavit; etc. Democrat: 100% (1) 100% Democrat support	Real Property Administrative Hearings, Office Of Deeds Foreclosure Mediation Mortgages
SB-895	State (Maryland)	Authorizing a court to appoint a receiver under specified circumstances; providing that a specified mortgagee is entitled to the appointment of a receiver; requiring a court to appoint a receiver under specified circumstances; authorizing a court to condition the appointment of a receiver on the giving of a specified security under specified circumstances; authorizing a court to appoint a specified person as an ancillary receiver for specified property; etc. Democrat: 100% (1) 100% Democrat support	Commercial Law - Generally Civil Actions And Procedures Appeals Civil Actions Clams Commerce And Business Contracts Courts Credit Damages
SB-924	State (Maryland)	Altering and establishing specified surety bond requirements for specified persons licensed or registered by the Commissioner of Financial Regulation and specified persons licensed by the State Collection Agency Licensing Board; requiring a specified applicant for a new license to file, with the application, a surety bond with the Board; requiring the bond to run to the Board, as obligee, for the benefit of the State and specified persons; etc. Republican: 100% (1) 100% Republican support	Business Regulation And Occupations Financial Institutions Bonds Claims Committees And Commissions Debt Collection Financial Regulation, Division Of Licenses Loans Mortgages
SB-588	State (Maryland)	Increasing, from $300 to $500, the filing fee that must accompany an order to docket or a complaint to foreclose a mortgage or deed of trust on residential property and that is distributed to the Housing Counseling and Foreclosure Mediation Fund. Democrat: 100% (1) 100% Democrat support	Real Property Fees Foreclosure Mortgages

Title: Consumer Protection - Mobile Home Purchasers

Session: Maryland 2020 Regular Session

Number: SB-155

Subjects: Commercial Law - Consumer Protection, Financial Institutions, Abandoned Property, Consumer Protection, Credit, Debt Collection, Disclosure, Ethics, Eviction, Financial Regulation, Division Of

Democrat: 83% (5) Republican: 16% (1)

Title: Real Property - Common Ownership Communities - Payment of Fees

Session: Maryland 2020 Regular Session

Number: SB-107

Subjects: Real Property, Condominiums, Deeds, Fees, Homeowners Associations, Mortgages

Democrat: 100% (1)

Title: Condominiums and Homeowners Associations - Amendments to Declarations and Governing Documents

Session: Maryland 2020 Regular Session

Number: HB-25

Subjects: Real Property, Communications, Condominiums, Deeds, Homeowners Associations, Mortgages, Notices

Democrat: 100% (1)

Title: Residential Mortgage Satisfaction Act, recordation of satisfaction to include commercial agricultural mortgages, make conforming changes, Sec. 35-10-27 repealed; Secs. 35-10-26, 35-10-30, 35-10-90, 35-10-91, 35-10-92, 35-10-94, 35-10-96 am'd.

Session: Alabama Regular Session 2019

Number: HB-218

Subjects: Mortgages

Republican: 100% (1)

Title: Future Advance mortgages, provide that future indebtedness secures when mortgage created, Sec. 35-10-120 to 35-10-124, inclusive, added.

Session: Alabama Regular Session 2019

Number: HB-182

Subjects: Mortgages

Republican: 100% (1)

Title: Mortgages, recording fee increased, distrib. to the Alabama Housing Trust Fund and the Alabama Homebuyer's Initiative, Sec. 40-22-2 am'd.

Session: Alabama 2017-2017 Regular Session

Number: HB-159

Subjects: Mortgages

Democrat: 100% (1)

Title: Creation of a State Debt - Baltimore City - Historic Diamond Press Building