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HB 1466

An Act amending Title 7 (Banks and Banking) of the Pennsylvania Consolidated Statutes, in mortgage loan industry licensing and consumer protection, further providing for general requirements.

2025-2026 Regular Session Introduced by Johanny Cepeda-Freytiz and 20 co-sponsors

Requires MD counties/towns to permit ADUs in single-family zones by 2026, with safety standards, exempt from density calculations, and limits on HOA restrictions.

Referred to Banking & Insurance
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WeVote Research Nonpartisan
Bill Summary · HB 1466

Summary — HB 1466 (Accessory Dwelling Units / Land Use and Real Property)

Note: The materials provided include multiple bills from different states that share the bill number “HB 1466.” This summary focuses on the Maryland enactment titled “Land Use and Real Property – Accessory Dwelling Units – Requirements and Prohibitions” (Chapter 197, 2025), which is the version for which detailed bill text and a fiscal note are included.

Purpose / Intent

Establish a statewide policy encouraging the creation of accessory dwelling units (ADUs) on lots with a single‑family detached primary dwelling to help meet Maryland’s housing needs, while setting minimum uniform requirements and limiting some local and private restrictions that unreasonably block ADU development.

Key provisions and changes

  • Definitions

    • “Accessory dwelling unit (ADU)” — a secondary dwelling on the same lot as a primary single‑family detached dwelling, no greater than 75% of the primary dwelling’s size, and subordinate in use. ADUs may be attached (part of primary dwelling), conversions of accessory structures, or a detached new building.
    • “Dwelling unit” and “utility” are also defined for purposes of the subtitle.

  • State policy and local authority

    • Declares a State policy to promote ADU creation.
    • Does not remove local zoning authority but requires local jurisdictions to adopt policies that further the State’s intent.

  • Mandatory local action

    • On or before October 1, 2026, each county and municipal legislative body must adopt a local law authorizing ADU development consistent with the bill.

  • Minimum requirements for local laws

    • Local law must allow ADUs that meet public health, safety, and building code standards.
    • ADUs are excluded from density calculations and any residential growth‑limiting measures.
    • Side and rear setbacks for ADUs may not exceed existing accessory structure setback rules.
    • Localities may set ADU safety standards and may prohibit converting an accessory structure to an ADU if the only vehicular access is from an alley.
    • If localities impose additional off‑street parking requirements they must complete a parking study and create a waiver process; parking standards may consider construction cost and on‑street availability.

  • Private restrictions and HOAs

    • Except for historic properties (Maryland Register), a recorded restriction on use (deed covenants, contracts, HOA rules, etc.) may not impose an “unreasonable limitation” that effectively prohibits developing or renting an ADU. (Does not restrict short‑term rental limitations.)
    • HOAs may treat an ADU as a separate lot for voting and assessment purposes.

Who is affected

  • Property owners of single‑family detached homes (owners may build/offer ADUs if they hold exclusive right to use the lot and public health/safety conditions are met).
  • Local governments: required to adopt conforming local laws and possibly conduct parking studies and administer permit reviews.
  • Homeowners associations: must conform to new limitations on restrictions and are authorized to treat ADUs as separate lots for HOA governance/assessments.
  • Small businesses: contractors and homebuilders likely to benefit from increased ADU construction demand.

Fiscal and procedural impacts

  • State finances: fiscal note finds no direct State fiscal impact.
  • Local finances: possible costs for drafting/adopting local laws, conducting parking studies (if applicable), and increased permitting/review workloads; local revenue could increase through permit fees and taxable property improvements. Net local impact is not precisely estimated.
  • Small business effect: potentially meaningful positive impact for construction and property‑owner businesses.

Timeline / Implementation

  • Local adoption deadline: October 1, 2026 (each local legislative body).
  • Local laws must be applied to all single‑family residentially zoned land, subject to public‑health and safety constraints specified in the bill.

Additional notes

  • The bill preserves substantial local zoning authority but imposes a statewide requirement that localities enact ADU‑authorizing ordinances meeting specified minimums.
  • The fiscal note cites that roughly half of Maryland jurisdictions already had some ADU provisions in zoning ordinances (MDP inventory).

If you want, I can:
- Produce a concise two‑page explainer for local officials (legal checklist and sample ordinance language), or
- Summarize a different HB 1466 variant that appears in the materials (e.g., North Dakota distillery, Illinois affidavit‑of‑merit, Arkansas mortgage law) — tell me which version.

Compiled from official sources — confirm details with the bill’s official record.

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