Maryland HB523: Real Property - Residential Foreclosures - Commencement Restrictions

What the bill says

An act concerning Real Property - Residential Foreclosures - Commencement Restrictions FOR the purpose of 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; and generally relating to an action to foreclose a mortgage or deed of trust on residential property…

From the engrossed text, March 11, 2026:

AN ACT concerning Real Property - Residential Foreclosures - Commencement Restrictions FOR the purpose of 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; and generally relating to an action to foreclose a mortgage or deed of trust on residential property. BY repealing and reenacting, without amendments, Article - Real Property Section 7-105.1(a)(1), (8), and (12) and (b) Annotated Code of Maryland (2023 Replacement Volume and 2025 Supplement) BY repealing and reenacting, with amendments, Article - Real Property Section 7-105.1(e) Annotated Code of Maryland (2023 Replacement Volume and 2025 Supplement) BY adding to Article - Real Property Section 7-105.1(e-1) EXPLANATION: CAPITALS INDICATE MATTER ADDED TO EXISTING LAW. [Brackets] indicate matter deleted from existing law. Underlining indicates amendments to bill. Strike out indicates matter stricken from the bill by amendment or deleted from the law by amendment. *hb0523* HOUSE BILL Annotated Code of Maryland (2023 Replacement Volume and 2025 Supplement) SECTION 1. BE IT ENACTED BY THE GENERAL ASSEMBLY OF MARYLAND, That the Laws of Maryland read as follows: Article - Real Property 7-105.1. (a) (1) In this section the following words have the meanings indicated. (8) "Owner-occupied residential property" means residential property in which at least one unit is occupied by …

Read the full official text

Sponsors

• Dana Jones (D, HD-030) · primary sponsor
• Vaughn Stewart (D, 19)
• Mary Lehman (D, HD-021)
• Nick Allen (D, 8)
• Heather Bagnall (D, 33C)
• Dylan Behler (D, 30A)
• Mark Chang (D, HD-032)
• Charlotte Crutchfield (D, 19)
• Elizabeth Embry (D, 43A)
• Jessica Feldmark (D, 12A)
• Linda Foley (D, 15)
• David Fraser-Hidalgo (D, 15)

Latest actions

1. April 13, 2026: Motion Special Order until Later Today (Senator Henson) Adopted
2. April 13, 2026: Favorable with Amendments {453026/1
3. April 13, 2026: Favorable with Amendments Report by Judicial Proceedings
4. March 13, 2026: Referred Judicial Proceedings
5. March 12, 2026: Third Reading Passed (110-23)
6. March 11, 2026: Second Reading Passed with Amendments
7. March 11, 2026: Favorable with Amendments {993222/1 Adopted
8. March 10, 2026: Favorable with Amendments Report by Economic Matters
9. February 3, 2026: Hearing 2/19 at 1:00 p.m.
10. January 27, 2026: First Reading Economic Matters

Votes

• Third Reading Passed (110-23) (March 12, 2026): 110 yea, 23 nay, passed

Common questions

What is HB523?

HB523 is a bill in the Maryland Legislature (2026 Regular Session): Real Property - Residential Foreclosures - Commencement Restrictions.

What does HB523 do?

In its own words: An act concerning Real Property - Residential Foreclosures - Commencement Restrictions FOR the purpose of 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; and generally relating to an action to foreclose a mortgage or deed of trust on residential property…

What is the status of HB523?

In committee as of April 13, 2026. Latest action: Motion Special Order until Later Today (Senator Henson) Adopted (April 13, 2026).

Who sponsored HB523?

Dana Jones (D, HD-030), with 11 co-sponsors.

Where is the official record for HB523?

On the Maryland Legislature website: https://mgaleg.maryland.gov/mgawebsite/Legislation/Details/hb0523?ys=2026RS