2025 Regular SessionMaryland Legislature

SB689: Financial Institutions - Conventional Home Mortgage Loans - Assumption and Required Disclosures

Legislative Summary

Requiring banking institutions, credit unions, mortgage lenders, mortgage lending businesses, and mortgage loan originators to include a certain provision in certain conventional home mortgage loans authorizing a certain borrower to purchase the property interest of a certain borrower in connection with a decree of absolute divorce if the lending entity determines that the assuming borrower qualifies for the loan; and applying certain provisions of the Act retroactively.

Demographic Impact

Overall analysis of equity impact

70% Positive
Medium ConfidenceView detailed demographic breakdown ↓

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Bill History

1/30/2025
First Reading Finance
Senate
2/1/2025
Hearing 2/20 at 1:00 p.m.
Senate
3/12/2025
Favorable with Amendments Report by Finance
Senate
3/13/2025
Favorable with Amendments {983124/1 Adopted
Senate
3/13/2025
Second Reading Passed with Amendments
Senate
3/14/2025
Third Reading Passed (47-0)
Senate
3/15/2025
Referred Economic Matters
House of Delegates
4/1/2025
Favorable with Amendments Report by Economic Matters
House of Delegates
4/2/2025
Favorable with Amendments {973220/1 Adopted
House of Delegates
4/2/2025
Second Reading Passed with Amendments
House of Delegates
4/7/2025
Third Reading Passed (122-12)
House of Delegates
4/7/2025
Senate Concurs House Amendments
Senate
4/7/2025
Third Reading Passed (42-0)
Senate
4/7/2025
Passed Enrolled
Senate
4/22/2025
Approved by the Governor - Chapter 203
Senate

Amendments

Favorable with Amendments 973220/1 Adopted

Favorable with Amendments 973220/1 Adopted

4/2/2025Adopted

Favorable with Amendments 983124/1 Adopted

Favorable with Amendments 983124/1 Adopted

3/13/2025Adopted

Roll Call Votes

Third Reading Passed
4/7/2025
122
Yea
12
Nay
4
Not Voting
3
Absent
Result: PASSED
Third Reading Passed
3/14/2025
47
Yea
0
Nay
0
Not Voting
0
Absent
Result: PASSED

Status Information

Current Status
Passed(4/22/2025)
Chamber
Senate

Sponsors

Democrat: 1

Primary Sponsor

Dawn Gile
Democrat

Documents

Chaptered
Bill Text4/24/2025161.7 KB
Enrolled
Bill Text4/8/2025191.9 KB
Engrossed
Bill Text3/13/2025147.4 KB
Introduced
Bill Text1/30/2025122.8 KB
Vote Image
Vote Image1/1/197037.1 KB
Vote Image
Vote Image1/1/197039.0 KB