Consumer Protection - Identity Theft Debt

HB 1471 creates a new process for Maryland consumers who believe debt was incurred due to identity theft. It requires creditors to pause all collection efforts for 30 days after receiving a certified written notice with supporting evidence (like police reports). If the creditor confirms the debt is identity theft, they must permanently stop collection, dismiss related lawsuits, and remove the debt from credit reports. Consumers can also file a civil lawsuit in court with a jury trial option if the creditor fails to comply.