MD SB43

Extends the Maryland Community Investment Venture Fund investment matching deadline from June 30, 2028 to June 30, 2030, allowing the Commissioner of Financial Regulation to continue matching banking institution and credit union investments in the fund

Expands the Fund's purpose to include serving consumers (not just businesses) in low- to moderate-income tracts through investments, grants, and other financial assistance, and clarifies the Fund is a special nonlapsing fund exempt from General Fund reversion

Creates new "Maryland Opportunity Account" assessment offset credits: $5,000 initial credit when a banking institution or credit union first offers the account, plus $3,000 annually thereafter while the account remains in active use

Repeals the $25 fee for certificates of valid charter requested by banking institutions and the $20 examination fee for commercial bank charter amendments

Expands the definition of "emergency" for banking institution closures to include cybersecurity incidents, and updates entity likeness protections to explicitly cover national banking associations and other-state banks