MD HB769

Foreclosure actions on residential property must be commenced no later than 10 years after the date of default claimed in the order to docket or complaint to foreclose

Secured parties that acquired debt already in default for 5 or more years must present additional documentation (as specified under § 5-1203(B) of the Courts Article) when filing foreclosure proceedings

The bill applies to mortgages and deeds of trust on residential property (defined as real property with four or fewer single-family dwelling units intended for human habitation)

Effective date is June 1, 2025 (amended from the original January 1, 2026 date)