HB 1132 (Keeping Affordable Housing Affordable Act) requires sellers of condominium units or homeowners association properties to provide buyers with specific financial disclosures 20 calendar days before closing - extending the prior 15-day deadline. It mandates written notice of any mandatory fee or payment increases exceeding 10% (or other major changes) after the seller learns of them. The bill affects condo/HOA sellers and buyers by ensuring transparency about future costs like maintenance fees, assessments, and reserve funds. Key provisions include standardized disclosure forms covering current budgets, outstanding dues, insurance, and facility details to help buyers understand long-term housing expenses.
HB 768 modifies Maryland law to clarify how the Department of Human Services (DHS) manages benefits (like Social Security or VA payments) for children in its custody. It requires DHS to seek other suitable representatives to manage these benefits before acting as the payee, and mandates that at least 40% of benefits be used for children’s unmet needs (such as disability services, housing, or education) when they are ages 14-15, increasing to 80% at 16-17 and 100% at 18-20. The bill also requires DHS to document all efforts to find alternative payees, periodically review if another representative could better serve the child, and avoid using benefits to cover state care costs. These changes apply specifically to children committed to DHS custody under Maryland’s Family Law.
SB 180 allows fair housing testers working for specific programs (federal, state, local governments, or qualifying nonprofit civil rights organizations) to legally record oral communications during housing tests to document potential discrimination. The bill creates an exception to Maryland's wiretap law, permitting testers to intercept conversations they are party to if the recording is solely for gathering evidence of fair housing violations under federal, state, or local law. Crucially, recordings made under this exception cannot be used as evidence in court or other proceedings except to enforce fair housing laws. The law takes effect October 1, 2026, and directly affects fair housing testing organizations and their trained testers.
HB 523 (Real Property - Residential Foreclosures - Commencement Restrictions) delays foreclosure actions on residential properties by requiring a 90-day waiting period after a default or notice of intent to foreclose, whichever is later. It directly affects homeowners facing foreclosure and mortgage lenders by adding this waiting period, with limited exceptions for fraud, no payments, property destruction, bankruptcy, or vacant properties. Key provisions include mandatory affidavits verifying default details and notice accuracy, a $450 filing fee, and requirements for loss mitigation documentation. The bill modifies Maryland's foreclosure law to provide additional time for homeowners to seek alternatives before a foreclosure case can proceed.
HB 989 modifies how income is calculated for elderly individuals seeking state assistance. It prohibits including rental income from a portion of an individual's primary residence (e.g., renting a room) when determining eligibility for state tax credits, housing assistance, or medical assistance programs. The Department of Aging must review all relevant programs to confirm applicability and notify administering agencies if the rule applies. This change directly affects elderly Marylanders who rely on state assistance programs with income-based eligibility requirements. The law takes effect July 1, 2026.
HB 1506 limits fees that new condominium or homeowners association (HOA) owners must pay at closing. It prohibits associations from charging new unit owners (not initial buyers) more than the current monthly assessment paid by existing owners at closing. Similarly, new lot owners in HOAs cannot be charged more than the existing lot owner's current monthly assessment. This bill directly affects new buyers in these communities by capping their initial capital contribution fees. The law takes effect October 1, 2026.
HB 1098 expands bankruptcy exemptions for Maryland residents by including residential property held in a revocable trust as eligible for protection. It increases the exemption cap for individuals aged 60+ with disabilities or veteran status to $300,000 (adjusted annually for inflation), while maintaining a $150,000 cap for other filers. The law automatically adjusts these amounts each year based on the Consumer Price Index, rounded to the nearest $25. This directly affects Maryland bankruptcy debtors owning homes - either directly or through revocable trusts - who qualify under the new or adjusted exemption thresholds.
HB 80 requires landlords managing four or more rental units to provide prospective tenants with a clear, written list of all fees (including mandatory and optional fees like parking or pet charges) before signing a lease. It prohibits landlords from charging any mandatory fee that wasn’t disclosed in advance and makes lease terms violating this rule unenforceable. Tenants can sue landlords for violations occurring after February 2027, potentially recovering triple damages plus attorney fees. The law excludes utility charges, security deposits, and fees tied to tenant actions (like replacement keys), and takes effect October 1, 2026.
HB 543 allows landlords to charge up to two months' rent as a security deposit if a tenant operates a family child care home (defined as caring for up to eight children in a residence). It prohibits landlords from unreasonably restricting or banning such homes on single-family rental properties and shields landlords from civil liability related to the child care operation. Tenants must provide written notice 60 days before starting, share their child care registration, and supply insurance naming the landlord and property owners as additional insureds. The bill also requires tenants to notify landlords immediately if they stop operating the home and permits landlords to mandate $1 million liability insurance coverage.
