Industry Advisories Issued Before the Current Calendar Year - Financial Regulation
The Office of the Commissioner of Financial Regulation issues advisories for the industries and activities regulated by the Commissioner, including but not limited to licensed or registered financial service businesses and state-chartered financial institutions. Advisories provide time-sensitive regulatory notifications or policy-related guidance.
Most advisories are available for one to two years after issuance; certain policy-related advisories will remain indefinitely (or until they are determined to be no longer relevant).
All advisories are downloadable as a pdf unless otherwise indicated.
Return to Current-Year Industry Advisories
Jump to 2019 and Earlier Advisories
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REGULATED ACTIVITY OR INDUSTRY |
ISSUE DATE |
ADVISORY TITLE |
TYPE OF ADVISORY |
Mortgage Servicing; Debt Collection; Foreclosure |
12/18/2020 |
NEW Foreclosure Update: Executive Order 20-12-17-02 Issued By Governor Hogan * |
COVID-19 Related |
Mortgage Servicing; Debt Collection; Foreclosure; Lending (All) |
12/18/2020 |
COVID-19 Related |
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Mortgage Servicing; Debt Collection; Foreclosure; Lending (All) |
11/09/2020 |
Governor Hogan’s Executive Order Number 2020-10-16-01: FAQs Regarding Foreclosure and Repossession * |
COVID-19 Related |
Debt Collection; Lending (All) |
11/04/2020 |
Notice |
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Consumer and Credit Reporting |
10/21/2020 |
Consumer Reporting Agencies: Surety Bonds and Transition of Registration to NMLS |
Notice |
Mortgage Servicing; Debt Collection; Foreclosure |
10/16/2020 |
Foreclosure Update: New Executive Order Issued By Governor Hogan * |
COVID-19 Related |
Lending (All) |
10/16/2020 |
Repossessions Update: New Executive Order Issued By Governor Hogan * |
COVID-19 Related |
Debt Collection |
09/21/2020 |
Debt Collection: Exemptions from Attachment and Execution (New Law Effective October 1, 2020) |
Notice |
Consumer and Credit Reporting |
09/15/2020 |
Transition of Consumer Reporting Agency Registration to NMLS |
Notice |
Consumer Lending; Mortgage (All); Credit Services |
09/11/2020 |
Notice |
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Mortgage Lending, Servicing and Brokering |
08/19/2020 |
Notice |
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State-Chartered Banks |
08/07/2020 |
Guidance |
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Non-depository Financial Services |
07/15/2020 |
COVID-19 Related |
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Depository Institutions |
07/15/2020 |
COVID-19 Related |
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Consumer Lending; Installment Lending |
07/13/2020 |
Sale of Loan Accounts by Consumer Loan Licensees: Clarification |
Guidance |
Mortgage Lending, Brokering and Origination |
05/20/2020 |
Bond Coverage for Mortgage Loan Originators Employed by Exempt Mortgage Company Registrants |
Guidance |
Student Loan Servicing; Debt Collection; Consumer and Credit Reporting |
05/18/2020 |
COVID-19 Related |
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Debt Collection |
05/11/2020 |
COVID-19 Related |
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Debt Collection |
05/11/2020 |
Debt Purchasers: Certain Licensing Standards for Collections and Operations |
Guidance |
Non-depository Financial Services; Depository Institutions |
05/04/2020 |
Interpretive Guidance from the Governor’s Office of Legal Counsel Regarding Garnishment of CARES Act Recovery Rebates (ISSUED BY THE GOVERNOR’S OFFICE) |
COVID-19 Related |
Non-depository Financial Services |
04/30/2020 |
COVID-19 Related |
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Depository Institutions |
04/30/2020 REVISED |
CARES Act Relief Payments: COVID-19 Pandemic Guidance for Depository Institutions |
COVID-19 Related |
Depository Institutions |
04/17/2020 |
COVID-19 Related |
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Mortgage Servicing; Debt Collection; Foreclosure |
04/06/2020 |
COVID-19 Related |
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Lending (All) |
04/06/2020 |
COVID-19 Related |
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Mortgage Lending, Brokering and Origination |
03/31/2020 |
COVID-19 Related |
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General (All) |
03/27/2020 |
Guidance Regarding Consumer Credit: Borrowers Impacted by the COVID-19 Health Emergency |
COVID-19 Related |
Mortgage Lending and Servicing; Debt Collection |
03/24/2020 |
Guidance to Mortgage Servicers: Borrowers Impacted by the COVID-19 Health Emergency |
COVID-19 Related |
Depository Institutions |
03/19/2020 |
Statement on Financial Institutions Working with Customers Affected by the Coronavirus |
COVID-19 Related |
Mortgage Servicing; Debt Collection; foreclosure |
03/19/2020 |
Coronavirus/COVID-19 Information: Foreclosure of Residential Property Stayed |
COVID-19 Related |
Mortgage Lending, Brokering and Servicing |
03/13/2020 |
COVID-19 Related |
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* Amended and/or restated by a subsequent advisory.
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REGULATED ACTIVITY OR INDUSTRY |
ISSUE DATE |
ADVISORY TITLE |
TYPE OF ADVISORY |
State-chartered Institutions |
02/27/2019 |
Guidance |
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Mortgage Lending and Brokering |
02/16/2018 |
Guidance |
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Mortgage (All) |
10/25/2017 |
Guidance |
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Mortgage Servicing |
10/18/2017 |
Commercial Law Article, §13-316(B): Maryland Mortgage Servicing Transfer Notice Requirements |
Guidance |
Consumer Lending; Installment Lending |
08/31/2017 |
Vehicle Title Loans in Maryland are Subject to Consumer Lending Laws |
Guidance |
Mortgage (All); money transmission; debt management |
08/17/2016 |
Guidance |
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Check Cashing |
06/29/2016 |
Guidance |
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Mortgage (All) |
09/28/2015 |
Guidance |
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Mortgage Servicing; Debt Collection; Foreclosure |
04/08/2015 |
Guidance |
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Non-depository Financial Services |
03/28/2014 |
Guidance |
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Mortgage Lending and Servicing |
01/07/2014 |
Guidance |
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State-chartered Banks |
01/16/2013 |
Wildcard Lending Limit - This Declaratory Ruling Addresses State-chartered Banks' Lending Limits |
Guidance |
Credit Services; Foreclosure |
09/16/2013 |
Advisory: Guidance For Real Estate Licensees in Short Sales Transactions |
Guidance |
Debt Collection |
05/05/2010 |
Advisory Regarding Licensure of Debt Purchasers - Advisory 5-10 (Word) |
Guidance |
Consumer Lending; Debt Collection |
07/20/2009 |
Unlicensed Consumer Loan and Prohibited "Payday" Loan Collection Activity (Word) |
Guidance |
Mortgage Lending and Brokering |
08/05/2005 |
Mortgage Brokers 05-06 (Word) |
Guidance |