Consumer Protection - Consumer Contracts - Limitation Periods

HB 431 establishes that any provision in a consumer contract (for personal, family, or household goods/services) setting a shorter time limit for filing a lawsuit than required by Maryland law is void. This bill directly affects consumers who sign contracts for everyday purchases or services, ensuring they cannot be bound by unfair short deadlines. Key provisions declare such contract terms unenforceable, prohibit defenses based on shortened periods, and treat violations as violations of Maryland’s Consumer Protection Act. The law applies prospectively only, taking effect October 1, 2025, and does not affect contracts signed before that date.