This chapter governs the conduct of any person engaged in mortgage lending, mortgage brokering, or mortgage servicing of loans secured by residential real estate located in this State, unless specifically exempt from licensure under Financial Institutions Article, §11-502, Annotated Code of Maryland.

Authority: Business Regulation Article, §2-105; Financial Institutions Article, §§2-105.1, 11-503,
11-503.1, 11-505, 11-506(a) and (c)(1), 11-507, 11-508(g), 11-511, 11-511.1, 11-513(a), and 11-515(c);
Real Property Article, §3-104.1; Annotated Code of Maryland

Effective date:

Regulations .01—.15, Code of Conduct—Mortgage Lenders, adopted as an emergency provision effective July 1, 1989 (16:14 Md. R. 1564); emergency status extended at 16:26 Md. R. 2782 (Emergency provisions are temporary and not printed in COMAR)

Regulations .01—.16, Mortgage Lenders, adopted effective February 19, 1990 (17:3 Md. R. 297)

Regulation .06A amended effective July 31, 1995 (22:15 Md. R. 1119)

Regulation .08B amended effective June 16, 1997 (24:12 Md. R. 864)

Chapter recodified from COMAR 09.04.06 to COMAR 09.03.06, April, 1998

Regulation .01 amended effective March 15, 2010 (37:5 Md. R. 427)

Regulation .02B amended effective November 3, 2008 (35:22 Md. R. 1956); January 1, 2009 (35:26 Md. R. 2247); March 15, 2010 (37:5 Md. R. 427)

Regulation .03 amended as an emergency provision effective July 1, 2009 (36:15 Md. R. 1158); emergency status extended at 37:3 Md. R. 170; emergency status expired March 15, 2010

Regulation .03 amended effective March 15, 2010 (37:5 Md. R. 427)

Regulation .03A amended effective November 3, 2008 (35:22 Md. R. 1956)

Regulation .03I adopted effective November 3, 2008 (35:22 Md. R. 1956)

Regulation .03J adopted effective January 1, 2009 (35:26 Md. R. 2247)

Regulation .04B amended as an emergency provision effective February 19, 2008 (35:6 Md. R. 695); emergency status extended at 35:18 Md. R. 1599; emergency action expired August 24, 2008

Regulation .04B amended effective August 25, 2008 (35:17: Md. R. 1485); November 3, 2008 (35:22 Md. R. 1956); March 15, 2010 (37:5 Md. R. 427)

Regulation .07B amended effective March 15, 2010 (37:5 Md. R. 427)

Regulation .07D adopted effective November 3, 2008 (35:22 Md. R. 1956)

Regulation .15G adopted effective June 15, 1998 (25:12 Md. R. 946)

Regulation .15G repealed effective March 15, 2010 (37:5 Md. R. 427)

Regulation .17 adopted effective June 26, 2000 (27:12 Md. R. 1138)

Regulation .17 amended effective March 15, 2010 (37:5 Md. R. 427)

Regulation .17B, G amended effective September 2, 2013 (40:17 Md. R. 1419)

Regulation .17C amended effective April 29, 2002 (29:8 Md. R. 697)

Regulation .18 adopted effective February 17, 2003 (30:3 Md. R. 178)

Regulation .18B, C amended effective March 15, 2010 (37:5 Md. R. 427)

Regulation .19 adopted effective October 1, 2004 (31:19 Md. R. 1431)

Regulation .19 repealed effective March 15, 2010 (37:5 Md. R. 427)

Regulation .20 adopted effective November 3, 2008 (35:22 Md. R. 1956)

Regulation .21 adopted effective November 3, 2008 (35:22 Md. R. 1956)

Regulation .23 adopted effective January 1, 2009 (35:26 Md. R. 2247)

Regulation .23A amended effective July 1, 2016 (43:11 Md. R. 633)

Chapter revised effective October 4, 2019 (46:19 Md. R. 813)

Regulation .02B amended effective June 27, 2022 (49:13 Md. R. 688); February 3, 2025 (52:2 Md. R. 67)

Regulation .02B amended as an emergency effective December 18, 2024 (52:1 Md. R. 17); emergency action expired June 16, 2025

Regulation .04 amended effective October 4, 2021 (48:20 Md. R. 851); February 3, 2025 (52:2 Md. R. 67)

Regulation .04A amended as an emergency effective December 18, 2024 (52:1 Md. R. 17); emergency action expired June 16, 2025

Regulation .06B amended effective February 3, 2025 (52:2 Md. R. 67)

Regulation .16 amended effective February 3, 2025 (52:2 Md. R. 67)

Regulation .26 adopted effective June 27, 2022 (49:16 Md. R. 688)

Regulation .27 adopted effective June 27, 2022 (49:16 Md. R. 688)

Regulation .28 adopted effective December 11, 2023 (50:24 Md. R. 1041)