# Maryland SB 0349: Medical Debt - Complaints for Money Judgment and Real Property Liens

Maryland SB 0349, Medical Debt - Complaints for Money Judgment and Real Property Liens, is a 2025 Regular Session Senate bill sponsored by Sara Love (Democratic); status signed, last action 2025-05-13 (Approved by the Governor - Chapter 497) (as of 2026-10-19).

- Canonical: https://policyrisk.com/state-bill/MD-SB0349-2025RS
- As of: 2026-10-19
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Maryland SB 0349
- State: Maryland
- Session: 2025 Regular Session
- Title: Medical Debt - Complaints for Money Judgment and Real Property Liens
- Status: signed
- Chamber: Senate
- Introduced: 2025-01-16
- Last action: 2025-05-13, Approved by the Governor - Chapter 497
- Sponsor: Sara Love (Democratic)
- Cosponsors: 0
- Subjects: Real Property, Civil Actions and Procedures, Agents and Brokers, Circuit Courts, Contracts -see also- Procurement, Courts -see also- AppCt; Circuit; District; Orphans'; etc., Damages, Debt Collection -see also- Attachments and Garnishments, Debt Management, Health -see also- COVID19; EnvHlth; MedCon; etc., Judgments, Liens, Medical Equipment and Devices, Medical Treatments, Residential Property -see also- Apartments; Condominiums
- Touches household money: no
- Roll calls: 2 (186 yes, 0 no in all)
- Economic provisions PRIA read: 1

## Summary

No summary available.

## Bill overview: provisions PRIA read

- Homeowners gain medical debt lien protection: benefit, medium. Beginning October 1, 2025, Maryland bans liens created by contract or contract breach to collect medical debt against owner-occupied homes. A home qualifies when an owner uses at least one unit as their primary residence. Courts must remove liens that break this rule, but the debt is not canceled.…

## Sponsors and cosponsors

- Sponsor: Sara Love (Democratic), Senate

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2025-04-02 | House | Third Reading Passed | pass | 139 | 0 |   |
| 2025-03-12 | Senate | Third Reading Passed | pass | 47 | 0 |   |

## Actions (17)

- 2025-05-13: Approved by the Governor - Chapter 497
- 2025-04-03: Returned Passed (Senate)
- 2025-04-02: Third Reading Passed (139-0) (House)
- 2025-04-01: Favorable Adopted Second Reading Passed (House)
- 2025-04-01: Favorable Report by Health and Government Operations (House)
- 2025-03-19: Hearing 3/19 at 2:15 p.m. (House)
- 2025-03-19: Hearing canceled (House)
- 2025-03-15: Hearing 3/19 at 2:30 p.m. (House)
- 2025-03-15: Hearing canceled (House)
- 2025-03-13: Hearing 3/19 at 1:00 p.m. (House)
- 2025-03-13: Referred Health and Government Operations (House)
- 2025-03-12: Third Reading Passed (47-0) (Senate)
- 2025-03-12: Second Reading Passed with Amendments (Senate)
- 2025-03-12: Favorable with Amendments {403224/1 Adopted (Senate)
- 2025-03-12: Favorable with Amendments Report by Judicial Proceedings (Senate)
- 2025-01-20: Hearing 1/29 at 11:00 a.m. (Senate)
- 2025-01-16: First Reading Judicial Proceedings (Senate)

## Bill text

- Enacted, 2025-05-13: [PDF](https://mgaleg.maryland.gov/2025RS/Chapters_noln/CH_497_sb0349t.pdf)
- Third Reading, 2025-03-12: [PDF](https://mgaleg.maryland.gov/2025RS/bills/sb/sb0349t.pdf)
- First Reading, 2025-01-16: [PDF](https://mgaleg.maryland.gov/2025RS/bills/sb/sb0349f.pdf)

## Related bills

- SB 0227: Workers' Compensation - Payment From Uninsured Employers' Fund - Revisions (vetoed)
- HB 0482: Occupational Licensing and Certification - Criminal History - Predetermination Review Process (vetoed)
- HB 0384: Maryland Disability Service Animal Program - Established (vetoed)
- SB 0157: Maryland Disability Service Animal Program - Established (vetoed)
- HB 1294: Commercial Law - Credit Regulation - Earned Wage Access and Credit Modernization (became law)
- HB 0228: Maryland Veterans Trust – Assistance to Members of the Maryland National Guard (signed)

## Sources
- [Enacted (PDF)](https://mgaleg.maryland.gov/2025RS/Chapters_noln/CH_497_sb0349t.pdf)
- [Third Reading (PDF)](https://mgaleg.maryland.gov/2025RS/bills/sb/sb0349t.pdf)
- [First Reading (PDF)](https://mgaleg.maryland.gov/2025RS/bills/sb/sb0349f.pdf)

## Related
- [SB 0227: Workers' Compensation - Payment From Uninsured Employers' Fund - Revisions](https://policyrisk.com/state-bill/MD-SB0227-2025RS)
- [HB 0482: Occupational Licensing and Certification - Criminal History - Predetermination…](https://policyrisk.com/state-bill/MD-HB0482-2025RS)
- [HB 0384: Maryland Disability Service Animal Program - Established](https://policyrisk.com/state-bill/MD-HB0384-2025RS)
- [SB 0157: Maryland Disability Service Animal Program - Established](https://policyrisk.com/state-bill/MD-SB0157-2025RS)
- [HB 1294: Commercial Law - Credit Regulation - Earned Wage Access and Credit Modernization](https://policyrisk.com/state-bill/MD-HB1294-2025RS)
- [HB 0228: Maryland Veterans Trust – Assistance to Members of the Maryland National Guard](https://policyrisk.com/state-bill/MD-HB0228-2025RS)
- [Maryland bills](https://policyrisk.com/states/maryland/bills)
- [Maryland state hub](https://policyrisk.com/states/maryland)
- [All state legislation](https://policyrisk.com/state-bills)

Source: PRIA, https://policyrisk.com/state-bill/MD-SB0349-2025RS (as of 2026-10-19).