
Facts & Statistics
STATE STATISTICS | |
Population 2020 |
6,055,802 |
Population 2019 | 6,054,954 |
Population 2018 |
6,042,718 |
Population 2017 | 6,024,891 |
Population 2016 | 6,004,692 |
Below Poverty 2019 | 9 |
Below Poverty 2018 | 8 |
Below Poverty 2017 | 9.3 |
Below Poverty 2016 | 9.7 |
Employment – Population Ratio 2019 | 66 |
Employment – Population Ratio 2018 |
61.2 |
Employment – Population Ratio 2017 | 64.6 |
Employment – Population Ratio 2016 | 64.2 |
Unemployed 2020 | 6.3 |
Unemployed 2019 | 3.7 |
Unemployed 2018 | 3.9 |
Unemployed 2017 | 4.3 |
Unemployed 2016 | 3.8 |
Foreclosure Rate 2018 | 1 of 1,045 |
STATE FACTS |
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America’s national anthem was written by Francis Scott Key, a Maryland lawyer. It is believed Key wrote the anthem on September 14, 1814, while watching the bombardment of Fort McHenry in Baltimore Harbor. |
The National Aquarium is located in Baltimore’s Inner Harbor. |
The Maryland State House is the oldest state capitol still in continuous legislative use. |
Government
ELECTED OFFICIALS | |
Governor |
Larry Hogan (R) |
Lieutenant Governor | Boyd Rutherford (R) |
Attorney General | Brian Frosh (D) |
Secretary of State (appointed) | John Wobensmith (R) |
State Senate Control | D – 32; R – 15 |
State House Control | D – 98; R – 42 |
Legislative Process
LEGISLATIVE DATES AND DEADLINES | |
Convenes | January 13, 2021 |
Sine Die Adjournment | April 12, 2021 |
Committee Action Deadlines | N/A |
Crossover Deadline | March 22, 2021 |
Carryover from Previous Session | No |
Governor’s Signing Deadline (in session) | Six days, Sundays excepted |
Governor’s Signing Deadline (after adjournment) | 30 days from presentment |
Veto Override | 3/5 majority |
Legislation Effective Date | June 1 (for bills passed prior to April 17); no fewer than 31 days after passage for bills passed after April 17 |
Notable Laws & Legislation
SAFE Act
- MD SB 269 (now Md. Code Ann. Financial Institutions, § 2 and 11)
- HUD review of Maryland’s SAFE Act
HB 530 (2016)
Security Breach Notification Law
- Md. Code Com. Law §§ 14-3501 et seq.
- Md State Govt. Code §§ 10-1301 to -1308
AFSA Comment Letters
- Maryland HB 655 – Indirect Vehicle Financing (March 4, 2020)
- Maryland review of regulations affecting sales finance licensees (October 14, 2016)
- Maryland HB 289 Automatic License Plate Recognition Systems (February 4, 2014)
AFSA Testimonies
- Maryland HB 1127 Testimony – Vehicle Finance Disclosures (March 13, 2019)
- Maryland SB 786 Testimony – Vehicle Finance Disclosures (March 13, 2019)
Enforcement
Consumer Complaints
Regulatory Actions
Featured Regulations
Advocacy, Initiatives & Reports
Advocacy
- 33 States Amicus Brief re: Telephone Consumer Protection Act (March 2020)
- 23 State & DC Letter to FDIC re: “Rent-A-Bank” Predatory Lending (February 2020)
- 25 State & DC Letter to Education Department re: Student Loan Debt Relief (February 2020)
- 23 State & DC Amicus Brief re: Constitutionality of CFPB (January 2020)
- 21 State & DC Letter to OCC re: “Rent-A-Bank” Predatory Lending (January 2020)
- 19 State & DC Letter to Congress re: Education Department Borrower Defense Rule (January 2020)
- 20 State & DC Amicus Brief re: Public Student Loan Forgiveness (November 2019)
- 21 State & DC Letter to HUD re: Housing Discrimination (October 2019)
- 29 State & DC Letter to Education Department re: Student Loan Fraud (October 2019)
- 20 State & DC Letter to Congress re: Cannabis Banking (September 2019)
- 27 State & DC Letter to CFPB re: Debt Collection Rule (September 2019)
- 31 States & DC Amicus Brief re: Student Loans (August 2019)
- 11 States & DC Letter to Education Department re: Public Service Loan Forgiveness Program (August 2019)
- 50 States & DC Letter to FCC re: Robocalls (August 2019)
- 24 States & DC Letter to CFPB re: Overdraft Rule (July 2019)
- 40 States & DC Letter to FTC re: Data Privacy (June 2019)
- 50 States & DC Letter to Education Department re: Student Loans for Disabled Veterans (May 2019)
- 24 States & DC Letter to CFPB re: Payday Rule (May 2019)
- 33 States & DC Letter to Congress re: Marijuana Banking (May 2019)
- 20 States & DC letter to Education Department re: Student Loan Disclosure to Law Enforcement (April 2019)
- 24 State & DC Letter to CFPB re: Payday Lending Rule (March 2019)
- 50 States & DC Letter to U.S. Senate Committee on Commerce, Science & Transportation re: Robocalls (March 2019)
- 30 States & DC Letter to FTC re: Identity Theft Rule (February 2019)
- 22 State AGs Letter to CFPB re: Regulatory Sandbox (February 2019)
- 14 State AGs Letter to FDIC re: Small-Dollar Lending (January 2019)
- 15 State AGs Amicus Brief re: Tribal Immunity for Payday Lending (December 2018)
- 43 State AGs Letter to Social Security Administration re: Identity Fra0ud (December 2018)
- 14 State AGs letter to Office of the Comptroller of the Currency re: Community Reinvestment Act (November 2018)
- 21 State AGs letter to Department of Education re: closed-school loan discharge regulations (October 2018)
- 33 State AGs letter to CFPB re: Military Lending Act (October 2018)
- 17 State AGs letter to HUD re: Affirmatively Furthering Fair Housing rule (October 2018)
- 8 State AGs Amicus Brief re: Student Loan Debt Relief (October 2018)
- 12 State AGs letter to CFPB re: proposed revisions to disclosure sandbox program (October 2018)
- 35 State AGs Letter to Federal Communications Commission (FCC) re: Robocalls (October 2018)
- 11 State AGs letter to Department of Education re: Public Service Loan Forgiveness (PSLF) Program (October 2018)
- 14 State AGs letter urging CFPB to continue enforcing the Equal Credit Opportunity Act’s disparate impact liability provision (September 2018)
- 17 State AGs letter urging HUD not to undermine the Agency’s Fair Housing Act (FHA) disparate impact regulations (August 2018)
- 20 State AGs letter urging Secretary of Education to share student loan information with law enforcement (July 2018)
- 20 State AGs letter to Congress opposing valid-when-made legislation (June 2018)
- 14 State AGs letter urging CFPB to retain public database of consumer complaints (June 2018)
- 16 State AGs letter urging the Trump Administration to respect the CFPB’s investigative authority (April 2018)
- 20 State AGs letter to Congress regarding proposed FDCPA amendments (April 2018)
- 30 AGs letter to Congress urging it to reject legislation that would block State oversight of student loan servicing industry (March 2018)
- 20 State AGs letter to Education Secretary re student borrower defense proposal (March 2018)
- 16 State & DC AGs brief calling on Trump Admin. to respect CFPB independence (February 2018)
- 18 State AGs urge Congress to incorporate cannabis industry into banking system (January 2018)
- 16 State AGs letter to President re CFPB (December 2017)
- Lawsuit opposing temporary CFPB director (December 2017)
- 43 State AGs Letter – Major Data Breach (September 2017)
- 8 State AGs Letter Supporting CFPB Proposed Small-Dollar Rule (October 2016)
- 18 States Letter to CFPB – Proposed Arbitration Rule (August 2016)
- MD AG – Joint Letter Opposing Federal Preemption of Data Breach Laws (July 2015)
- 31 State AGs Letter to CFPB – Debt Collection Rules (March 2014)
Initiatives
Reports
Trade Associations
- Mid-Atlantic Financial Services Association