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MarylandSB 05822026 Regular SessionSenateWALLET

Consumer Protection - Unsolicited Loans

Sponsored By: J.B. Jennings (Republican)

Signed by Governor

Commercial Law - Consumer ProtectionChecksCommerce and Business -see also- ElectrComm; ForeignTr; etc.Consumer ProtectionCreditCrimes and Punishments -see also- Penalties and Sentnc; etc.Fines -see also- Penalties and SentencesLoans -see also- Credit; Mortgages; Scholarships&SFAPenalties and Sentences -see also- Death Penalty

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 2 benefits, 0 costs, 0 mixed.

New ban on unsolicited loan checks

Beginning October 1, 2026, lenders cannot mail you a check for a secured loan unless you asked for it. You are not liable for an unlawful check unless you cash or deposit it. This ban does not cover convenience checks for an existing credit line or prescreened unsecured offers under federal law. Businesses that make personal loans count as creditors under this rule. On conviction, a violator faces a misdemeanor fine up to $500.

Unsolicited property purchase checks banned

Beginning October 1, 2026, a creditor may not send you a check as part of an unsolicited offer to buy your property. If you get an unlawful check, you are not liable for it unless you cash or deposit it.

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Sponsors & Cosponsors

Sponsor

  • J.B. Jennings

    Republican • Senate

Cosponsors

  • Jack Bailey

    Republican • Senate

  • Johnny Ray Salling

    Republican • Senate

Roll Call Votes

All Roll Calls

Yes: 223 • No: 0

House vote • 4/10/2026

Third Reading Passed

Yes: 136 • No: 0 • Other: 3

Senate vote • 4/10/2026

Third Reading Passed

Yes: 42 • No: 0 • Other: 3

Senate vote • 3/19/2026

Third Reading Passed

Yes: 45 • No: 0 • Other: 2

Actions Timeline

  1. Approved by the Governor - Chapter 316

    4/28/2026

  2. Passed Enrolled

    4/10/2026Senate

  3. Third Reading Passed (42-0)

    4/10/2026Senate

  4. Senate Concurs House Amendments

    4/10/2026Senate

  5. Third Reading Passed (136-0)

    4/10/2026House

  6. Second Reading Passed with Amendments

    4/8/2026House

  7. Favorable with Amendments {573927/1 Adopted

    4/8/2026House

  8. Favorable with Amendments Report by Economic Matters

    4/8/2026House

  9. Hearing 3/26 at 2:30 p.m.

    3/23/2026House

  10. Hearing canceled

    3/23/2026House

  11. Hearing 3/26 at 1:00 p.m.

    3/21/2026House

  12. Referred Economic Matters

    3/20/2026House

  13. Third Reading Passed (45-0)

    3/19/2026Senate

  14. Second Reading Passed with Amendments

    3/17/2026Senate

  15. Favorable with Amendments {583026/1 Adopted

    3/17/2026Senate

  16. Favorable with Amendments Report by Finance

    3/16/2026Senate

  17. Hearing 2/19 at 1:00 p.m.

    2/4/2026Senate

  18. First Reading Finance

    2/4/2026Senate

Bill Text

  • Enrolled

    4/10/2026

    PDF

  • Third Reading

    3/17/2026

    PDF

  • First Reading

    2/4/2026

    PDF

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