# Maryland SB 0939: Bankruptcy Proceedings - Exemptions From Execution - Residential Real Property

Maryland SB 0939, Bankruptcy Proceedings - Exemptions From Execution - Residential Real Property, is a 2026 Regular Session Senate bill sponsored by Shaneka Henson (Democratic); status signed, last action 2026-05-12 (Approved by the Governor - Chapter 400); PRIA reads it as touching household money (as of 2026-10-11).

- Canonical: https://policyrisk.com/state-bill/MD-SB0939-2026RS
- As of: 2026-10-11
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Maryland SB 0939
- State: Maryland
- Session: 2026 Regular Session
- Title: Bankruptcy Proceedings - Exemptions From Execution - Residential Real Property
- Status: signed
- Chamber: Senate
- Introduced: 2026-02-06
- Last action: 2026-05-12, Approved by the Governor - Chapter 400
- Sponsor: Shaneka Henson (Democratic)
- Cosponsors: 0
- Subjects: Civil Actions and Procedures, Real Property, Bankruptcy, Condominiums, Consumer Price Index, Cooperative Associations, Disabilities, Elderly Persons (65+) -see also- Elder Abuse and Neglect, Estates and Trusts -see also- Beneficiaries, Exemptions, Mobile and Manufactured Homes, Residential Property -see also- Apartments; Condominiums, Veterans
- Touches household money: yes
- Roll calls: 3 (217 yes, 7 no in all)
- Economic provisions PRIA read: 2

## Summary

No summary available.

## Bill overview: provisions PRIA read

- Judgments: protect $150K home ($300K seniors): benefit, high. Beginning June 1, 2026, Maryland protects part of your owner‑occupied home from judgment collection. The exempt amount is $150,000 for an individual, or $300,000 if you are at least 65. This covers condos, co‑op property you live in, manufactured homes, and a home in your revocable trust. Starting…
- Bankruptcy: protect $125K home equity: mixed, high. Beginning June 1, 2026, if you file bankruptcy in Maryland, you can protect up to $125,000 of equity in your owner‑occupied home. You can also protect up to $5,000 in personal property. If more than one person in the same case claims the home exemption, the total for that property cannot be more th…

## Sponsors and cosponsors

- Sponsor: Shaneka Henson (Democratic), Senate

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2026-04-13 | House | Third Reading Passed | pass | 128 | 7 | 5 |
| 2026-04-13 | Senate | Third Reading Passed | pass | 45 | 0 | 2 |
| 2026-03-19 | Senate | Third Reading Passed | pass | 44 | 0 | 1 |

## Actions (20)

- 2026-05-12: Approved by the Governor - Chapter 400
- 2026-04-13: Passed Enrolled (Senate)
- 2026-04-13: Third Reading Passed (45-0) (Senate)
- 2026-04-13: Senate Concurs House Amendments (Senate)
- 2026-04-13: Third Reading Passed (128-7) (House)
- 2026-04-11: Second Reading Passed with Amendments (House)
- 2026-04-11: Favorable with Amendments {903329/1 Adopted (House)
- 2026-04-11: Favorable with Amendments Report by Economic Matters (House)
- 2026-04-02: Hearing 4/02 at 2:30 p.m. (House)
- 2026-04-02: Hearing canceled (House)
- 2026-04-02: Hearing 4/02 at 1:30 p.m. (House)
- 2026-04-02: Hearing canceled (House)
- 2026-03-24: Hearing 4/02 at 1:00 p.m. (House)
- 2026-03-20: Referred Economic Matters (House)
- 2026-03-19: Third Reading Passed (44-0) (Senate)
- 2026-03-18: Second Reading Passed with Amendments (Senate)
- 2026-03-18: Favorable with Amendments {223328/1 Adopted (Senate)
- 2026-03-18: Favorable with Amendments Report by Judicial Proceedings (Senate)
- 2026-02-12: Hearing 3/05 at 1:00 p.m. (Senate)
- 2026-02-06: First Reading Judicial Proceedings (Senate)

## Bill text

- Enacted, 2026-05-12: [PDF](https://mgaleg.maryland.gov/2026RS/Chapters_noln/CH_400_sb0939e.pdf)
- Enrolled, 2026-04-13: [PDF](https://mgaleg.maryland.gov/2026RS/bills/sb/sb0939e.pdf)
- Third Reading, 2026-03-18: [PDF](https://mgaleg.maryland.gov/2026RS/bills/sb/sb0939t.pdf)
- First Reading, 2026-02-06: [PDF](https://mgaleg.maryland.gov/2026RS/bills/sb/sb0939f.pdf)

## Related bills

- SB 0496: Maryland Medical Assistance Program - Coverage for the Treatment of Obesity - Authorization (became law)
- SB 0366: Motor Vehicles - Intelligent Speed Assistance System Pilot Program - Establishment (became law)
- SB 0244: Code Revision - Health - Maryland Medical Assistance Program (became law)
- SB 0148: Income Tax - Credit for 9-1-1 Specialist Retirement Income (Supporting Our 9-1-1 Specialists Act) (became law)
- SB 0016: Child Support - Earnings Withholdings Limits (became law)
- HB 0529: Code Revision - Health - Maryland Medical Assistance Program (became law)

## Sources
- [Enacted (PDF)](https://mgaleg.maryland.gov/2026RS/Chapters_noln/CH_400_sb0939e.pdf)
- [Enrolled (PDF)](https://mgaleg.maryland.gov/2026RS/bills/sb/sb0939e.pdf)
- [Third Reading (PDF)](https://mgaleg.maryland.gov/2026RS/bills/sb/sb0939t.pdf)
- [First Reading (PDF)](https://mgaleg.maryland.gov/2026RS/bills/sb/sb0939f.pdf)

## Related
- [SB 0496: Maryland Medical Assistance Program - Coverage for the Treatment of Obesity - A…](https://policyrisk.com/state-bill/MD-SB0496-2026RS)
- [SB 0366: Motor Vehicles - Intelligent Speed Assistance System Pilot Program - Establishm…](https://policyrisk.com/state-bill/MD-SB0366-2026RS)
- [SB 0244: Code Revision - Health - Maryland Medical Assistance Program](https://policyrisk.com/state-bill/MD-SB0244-2026RS)
- [SB 0148: Income Tax - Credit for 9-1-1 Specialist Retirement Income (Supporting Our 9-1-…](https://policyrisk.com/state-bill/MD-SB0148-2026RS)
- [SB 0016: Child Support - Earnings Withholdings Limits](https://policyrisk.com/state-bill/MD-SB0016-2026RS)
- [HB 0529: Code Revision - Health - Maryland Medical Assistance Program](https://policyrisk.com/state-bill/MD-HB0529-2026RS)
- [Maryland bills](https://policyrisk.com/states/maryland/bills)
- [Maryland state hub](https://policyrisk.com/states/maryland)
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Source: PRIA, https://policyrisk.com/state-bill/MD-SB0939-2026RS (as of 2026-10-11).