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Bill

HB 796

Real Property – Filing Fee for Residential Mortgage Foreclosure – Increase

2025 Regular Session Introduced by Kevin Harris and 5 co-sponsors

Maryland increases residential mortgage foreclosure filing fees in District Court, raising the cost for lenders to initiate foreclosure proceedings.

Approved by the Governor - Chapter 581
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Bill Summary · HB 796

Legislative bill overview

HB 796 increases the filing fee that lenders must pay when initiating residential mortgage foreclosure proceedings in Maryland. The bill modifies the fee structure for foreclosure cases filed in the District Court system. This legislation became law in May 2025 after passing both chambers and receiving gubernatorial approval.

Why is this important

Filing fees directly affect the cost of foreclosure proceedings, which can influence lending practices and housing market dynamics. The fee increase may impact both lenders' willingness to foreclose and the overall accessibility of the foreclosure process, with potential consequences for homeowners facing default and the state's housing stability.

Potential points of contention

  • Lender cost burden: Increased fees may be passed to borrowers or could discourage foreclosure filings, potentially affecting debt collection efficiency
  • Homeowner protection debate: Supporters may view higher foreclosure barriers as protecting vulnerable homeowners; opponents may argue it reduces lenders' ability to recover losses
  • Revenue versus deterrent effect: Unclear whether the primary intent is generating state revenue or discouraging foreclosures, creating ambiguity about policy goals

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

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