HB 769 Maryland House of Delegates · 2025 Regular Session

Real Property - Residential Foreclosures - Commencement Restrictions

HB 769 delays residential foreclosure filings by requiring a 90-day waiting period after a payment default and mandating a 45-day notice of intent to foreclose before filing. It requires lenders to provide written loan details (including payment history and current balance) in foreclosure filings and allows homeowners to raise a defense if lenders delay filing excessively. The bill specifically affects Maryland homeowners with owner-occupied residential properties (up to four units) and lenders seeking to foreclose on mortgages that are significantly overdue. These changes amend Maryland's foreclosure law to add procedural safeguards before foreclosure actions can proceed.

Issues: ✓ Housing

Bill status passed 3 of 5 stages cleared

Introduction

Jan 2025

Committee Review

Mar 2025

House of Delegates Passage

Mar 2025

Senate Passage

Governor

Introduced Jan 29, 2025 Last action Mar 17, 2025

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What changed between versions

First - Real Property – Residential Foreclosures – Materially Delinquent Mortgages → Third - Real Property - Residential Foreclosures - Commencement Restrictions · 4 edits

MODERATE

HB 769 was amended to expand its scope from addressing only materially delinquent mortgages to also covering general foreclosure commencement restrictions. The bill now includes additional sections for repealing and reenacting existing foreclosure laws, and adds a new section establishing a new subsection (e-1) to the Real Property article. These changes broaden the legislative framework governing residential foreclosures in Maryland.

Scope change

The bill's scope expanded from focusing solely on materially delinquent mortgages to also addressing general commencement restrictions for residential foreclosures, and added new provisions for repealing and reenacting additional sections of the Real Property article.

SCOPE

Changed the bill title and purpose to include 'commencement restrictions' for foreclosures in addition to materially delinquent mortgages.

REQUIREMENT

Added new section 7-105.19(e-1) to the Real Property article, expanding the statutory framework for foreclosure procedures.

Modified the list of sections being repealed and reenacting to include additional subsections (b) and (f) of Section 7-105.1.

TECHNICAL

Updated committee and house action status to reflect favorable report and adoption, with revised sponsor list.

Floor votes · House of Delegates Mar 8, 2025

How they voted

137–0

Passed · 2 other

Total votes 139

Mar 8, 2025

D Democratic100

99 Yea 1

99% Yea

R Republican39

38 Yea 1

97% Yea

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Mar 17, 2025

Committee

Referred Judicial Proceedings

upper

Mar 17, 2025

Lower · Passed

Third Reading Passed

lower

Mar 15, 2025

Lower · Passed

Favorable with Amendments {

lower

Mar 15, 2025

Lower · Passed

Favorable with Amendments Report by Environment and Transportation

lower

Mar 8, 2025

House Of Delegates · Passed

House of Delegates Vote: pass (137-0-2)

house of delegates

Jan 29, 2025

Committee

First Reading Environment and Transportation

lower

16 primary · 0 co-sponsors