Housing

HB 1098 expands bankruptcy exemptions for Maryland residents by including residential property held in a revocable trust as eligible for protection. It increases the exemption cap for individuals aged 60+ with disabilities or veteran status to $300,000 (adjusted annually for inflation), while maintaining a $150,000 cap for other filers. The law automatically adjusts these amounts each year based on the Consumer Price Index, rounded to the nearest $25. This directly affects Maryland bankruptcy debtors owning homes - either directly or through revocable trusts - who qualify under the new or adjusted exemption thresholds.

HB 80 requires landlords managing four or more rental units to provide prospective tenants with a clear, written list of all fees (including mandatory and optional fees like parking or pet charges) before signing a lease. It prohibits landlords from charging any mandatory fee that wasn’t disclosed in advance and makes lease terms violating this rule unenforceable. Tenants can sue landlords for violations occurring after February 2027, potentially recovering triple damages plus attorney fees. The law excludes utility charges, security deposits, and fees tied to tenant actions (like replacement keys), and takes effect October 1, 2026.

HB 691 requires Maryland state agencies that issue housing construction permits to create streamlined permitting processes. Key provisions include allowing multiple permits to be handled simultaneously where possible, establishing predictable sequencing for approvals, and creating clear pathways for faster reviews. The State Housing Ombudsman must ensure consistency across different agencies’ processes and facilitate coordination with local governments. This bill directly affects state agencies, local governments (through potential delegation of permit tasks), and developers seeking housing construction permits, with implementation required by October 2026 and a reporting deadline for the Ombudsman in December 2027.

HB 543 allows landlords to charge up to two months' rent as a security deposit if a tenant operates a family child care home (defined as caring for up to eight children in a residence). It prohibits landlords from unreasonably restricting or banning such homes on single-family rental properties and shields landlords from civil liability related to the child care operation. Tenants must provide written notice 60 days before starting, share their child care registration, and supply insurance naming the landlord and property owners as additional insureds. The bill also requires tenants to notify landlords immediately if they stop operating the home and permits landlords to mandate $1 million liability insurance coverage.

HB 432 repeals a provision in Maryland law that allowed municipalities to prohibit "vagrancy" (laws targeting homeless or loitering individuals without clear purpose). The bill directly affects local governments by removing their legal authority to enforce such vagrancy prohibitions under Section 5-207(c)(2) of the Maryland Annotated Code. Key mechanisms include deleting "vagrancy" from the list of activities municipalities could ban, while preserving other related powers like prohibiting gambling or vice. The change takes effect October 1, 2026, and represents a concrete policy shift in local law enforcement authority.