Maryland credit laws

Citation:

Md. Code, Com. Law 14-1213

Effective:

Oct 1, 2025

A Maryland consumer reporting agency may not make or furnish a report containing adverse information it knows or should know relates to medical debt, or any collection action to collect medical debt. It also may not keep information about that medical debt in your file.

Source checked Sep 29, 2026

Citation:

Md. Code, Com. Law 14-1212.1

Maryland law lets you place a security freeze on your credit file, which stops a credit bureau from releasing your report to most new creditors until you lift it. Since September 21, 2018, federal law also makes placing and lifting a freeze free at each nationwide credit bureau.

Source checked Sep 29, 2026

Citation:

Md. Code, Com. Law 14-1901 et seq.

Maryland regulates businesses that charge to improve a consumer's credit record, history or rating. The federal Credit Repair Organizations Act also applies: these companies may not charge before the promised services are fully performed, and you can cancel a contract within 3 business days.

Source checked Sep 29, 2026

Citation:

Md. Code, Real Prop. 8-208.4

Effective:

Oct 1, 2026

Starting October 1, 2026, Maryland landlords who own 6 or more rental units must offer tenants the option to have on-time rent payments reported to at least one consumer reporting agency. For leases signed before that date, the offer must be made by January 1, 2027, and every year after. Reporting is optional, the landlord may charge a fee of no more than its actual cost or $10 a month, whichever is less, and you can stop reporting at any time.

Source checked Sep 29, 2026