MD HB1124

Health care providers (excluding hospitals) must provide written disclosures and treatment plans before discussing third-party financing options with patients, and must issue full refunds for unprovided treatments within 15 days of request

Providers are prohibited from obtaining financing on behalf of patients, completing financing applications for them, providing electronic devices for applying, or billing third-party financiers more than 30 days before services are rendered

Third-party financing cannot be promoted to patients under the influence of mind-altering substances (including anesthesia), actively undergoing treatment, or in treatment areas; financing cannot be offered if insurance covers the services (except for copays, coinsurance, or deductibles)

The Consumer Protection Division of the Attorney General's Office must prepare and publish disclosure forms warning patients that credit card payments for health care are not considered health care debt and lose associated federal/state protections against wage garnishment and interest rate limits

Violations constitute unfair, abusive, or deceptive trade practices under Title 13 of the Commercial Law Article, subject to enforcement by the Attorney General; effective October 1, 2026