Credit law tracker

Laws about credit reports change every year, and the rules can differ from one state to the next. This tracker explains, in plain English, the state and federal laws that affect what can appear on your credit reports and what rights you have.

It is here for education and to help you monitor your own credit with confidence. We do not offer credit repair. Everything on these pages is something you can do yourself, for free, using the official source linked on each entry.

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Took effect in the last 12 months

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Federal laws and rules

The Fair Credit Reporting Act and federal rules from the CFPB and the FTC apply in every state.

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Recently effective and upcoming

HB 315 / SB 335 (2026): positive rental history reporting (Chapters 772 and 773)

Enacted

Jurisdiction: Maryland
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.

What you can do

Read the rent reporting offer from your landlord and opt in only if it helps your credit file.

Official sources

Source checked Sep 29, 2026

This is general education, not legal advice. Laws change; check the official source linked on each entry.