reglab/housing_qa huggingface dataset:
MD. Real Property Code Ann. §  3-118 (2021)
2021 Maryland Statutes|Real Property|Title 3 - Recordation|Subtitle 1 - General Rules and Exceptions|Part II - Recordation of Instruments for Address Confidentiality Program Participants|Section 3-118 - Authorization of Disclosure

    (a)    On request, the Secretary may authorize the disclosure of real property records that have been shielded under § 3–116 of this subtitle for the purpose of performing a bona fide title examination.    (b)    A request under this section shall include:        (1)    The name, title, address, and affiliated organization, if applicable, of the individual requesting the disclosure;        (2)    The individual’s purpose for requesting the disclosure;        (3)    The individual’s relationship, if any, to the program participant;        (4)    A legal description of the property subject to the title examination;        (5)    A statement that any information disclosed to the individual shall be treated as confidential and shall be used and disclosed only for the purpose identified in the request;        (6)    The individual’s signature; and        (7)    Any other information required by the Secretary to respond to the request.    (c)    (1)    Within 2 business days after receiving a request under this section, the Secretary shall provide a written response approving or denying the request.        (2)    The Secretary shall approve the request only if the Secretary confirms that the property subject to the title examination is the property identified in the Real Property ACP Notice of a current program participant.        (3)    If the property belongs to an individual who is no longer a program participant:            (i)    The Secretary shall give written notice to the clerk of the appropriate circuit court and the State Archives; and            (ii)    The clerk and the State Archives shall cease shielding all real property records relating to the property.
MD. Real Property Code Ann. §  3-119 (2021)
2021 Maryland Statutes|Real Property|Title 3 - Recordation|Subtitle 1 - General Rules and Exceptions|Part II - Recordation of Instruments for Address Confidentiality Program Participants|Section 3-119 - Information Sharing

    (a)    Nothing in this part may be interpreted to require:        (1)    The Secretary to identify other agencies that may possess information on a program participant; or        (2)    The clerk of a circuit court or any State or local agency to independently determine whether the clerk or agency maintains information on a program participant.    (b)    Nothing in this part may be interpreted to prohibit the clerk of a circuit court or any State or local agency from sharing a program participant’s information with the Secretary for the purpose of facilitating compliance with this part.
MD. Real Property Code Ann. §  3-120 (2021)
2021 Maryland Statutes|Real Property|Title 3 - Recordation|Subtitle 1 - General Rules and Exceptions|Part II - Recordation of Instruments for Address Confidentiality Program Participants|Section 3-120 - Regulations

    The Secretary shall adopt regulations to carry out this part.
MD. Real Property Code Ann. §  7-305 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 3 - Protection of Homeowners in Foreclosure Act|Part II - Foreclosure Consultants|Section 7-305 - Rescission

    (a)    In addition to any other right under law to cancel or rescind a contract, a homeowner has the right to rescind a foreclosure consulting contract at any time.    (b)    Rescission occurs when the homeowner gives written notice of rescission to the foreclosure consultant at the address specified in the contract or through any facsimile or electronic mail address identified in the contract or other materials provided to the homeowner by the foreclosure consultant.    (c)    Notice of rescission, if given by mail, is effective when deposited in the United States mail, properly addressed, with postage prepaid.    (d)    Notice of rescission need not be in the form provided with the contract and is effective, however expressed, if it indicates the intention of the homeowner to rescind the foreclosure consulting contract.    (e)    After the rescission of a foreclosure consulting contract, the homeowner shall repay, within 60 days from the date of rescission, any funds paid or advanced by the foreclosure consultant or anyone working with the foreclosure consultant under the terms of the foreclosure consulting contract, together with interest calculated at the rate of 8% a year.    (f)    The right to rescind may not be conditioned on the repayment of any funds.
MD. Real Property Code Ann. §  7-307 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 3 - Protection of Homeowners in Foreclosure Act|Part II - Foreclosure Consultants|Section 7-307 - Prohibited Activities by Foreclosure Consultant

    A foreclosure consultant may not:        (1)    Engage in, arrange, offer, promote, promise, solicit, participate in, assist with, or carry out a foreclosure rescue transaction;        (2)    Claim, demand, charge, collect, or receive any compensation until after the foreclosure consultant has fully performed each and every service the foreclosure consultant contracted to perform or represented that the foreclosure consultant would perform;        (3)    Claim, demand, charge, collect, or receive any interest or any other compensation for any loan that the foreclosure consultant makes to the homeowner that exceeds 8% a year;        (4)    Take any wage assignment, any lien of any type on real or personal property, or other security to secure the payment of compensation;        (5)    Receive any consideration from any third party in connection with foreclosure consulting services provided to a homeowner unless the consideration:            (i)    Is first fully disclosed in writing to the homeowner;            (ii)    Is clearly listed on any settlement documents; and            (iii)    Is not in violation of any provision of this subtitle;        (6)    Receive a commission, regardless of how described, for the sale of a residence in default that exceeds 8% of the sales price;        (7)    Receive any money to be held in escrow or on a contingent basis on behalf of the homeowner;        (8)    Acquire any interest, directly or indirectly, or by means of a subsidiary, affiliate, or corporation in which the foreclosure consultant or a member of the foreclosure consultant’s immediate family is a primary stockholder, in a residence in default from a homeowner with whom the foreclosure consultant has contracted;        (9)    Take any power of attorney from a homeowner for any purpose, except to inspect documents as provided by law; or        (10)    Induce or attempt to induce any homeowner to enter into a foreclosure consulting contract that does not comply in all respects with this subtitle.
MD. Real Property Code Ann. §  7-308 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 3 - Protection of Homeowners in Foreclosure Act|Part II - Foreclosure Consultants|Section 7-308 - Foreclosure Consultant License

    (a)    (1)    In this section the following words have the meanings indicated.        (2)    “License” has the meaning stated in § 17–101(g) of the Business Occupations and Professions Article.        (3)    “Provide real estate brokerage services” has the meaning stated in § 17–101(l) of the Business Occupations and Professions Article.    (b)    A foreclosure consultant who provides real estate brokerage services shall be licensed as required under Title 17 of the Business Occupations and Professions Article.    (c)    A foreclosure consultant shall present a copy of the license to a homeowner no later than the time a foreclosure consulting contract is executed.
MD. Real Property Code Ann. §  7-309 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 3 - Protection of Homeowners in Foreclosure Act|Part II - Foreclosure Consultants|Section 7-309 - Duties

    (a)    A foreclosure consultant has a duty to provide the homeowner with written copies of any research the foreclosure consultant has regarding the value of the homeowner’s residence in default, including any information on sales of comparable properties or any appraisals.    (b)    A foreclosure consultant owes the same duty of care to a homeowner as a licensed real estate broker owes to a client under § 17–532 of the Business Occupations and Professions Article.
MD. Real Property Code Ann. §  7-310 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 3 - Protection of Homeowners in Foreclosure Act|Part III - Sales or Transfers of Residences in Default|Section 7-310 - Rescission of Contract

    (a)    In addition to any other right under law to rescind a contract, the homeowner of a residence in default has the right to rescind a contract for the sale or transfer of the residence in default within 5 days after the execution of the contract.    (b)    Any provision in a contract or other agreement concerning a sale or transfer of a residence in default that attempts or purports to waive the homeowner’s rights under this title, consent to jurisdiction for litigation or choice of law in a state other than Maryland, consent to venue in a county other than the county in which the property is located, or impose any costs or filing fees greater than the fees required to file an action in a circuit court, is void.    (c)    Except when a primary mortgage lender takes a deed in lieu of foreclosure, a sale or transfer of a residence in default may not be executed using a quitclaim deed.    (d)    A notice of rescission under this section:        (1)    Shall be in writing but need not take any particular form specified in this subtitle or any form contained in any agreement with the purchaser or transferee; and        (2)    Is effective, however expressed, if it indicates the intention of the homeowner to rescind the contract.    (e)    The right to rescind may not be conditioned on the repayment of any funds, provided however that any debt existing prior to a rescission shall continue to exist.    (f)    Within 10 days after receipt of a notice of rescission, the purchaser or transferee shall return, without condition, any original deed, title, contract, and any other document signed by the homeowner.    (g)    During the 5–day rescission period, a deed or other document affecting title to the homeowner’s residence in default may not be recorded.
MD. Real Property Code Ann. §  7-312 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 3 - Protection of Homeowners in Foreclosure Act|Part III - Sales or Transfers of Residences in Default|Section 7-312 - Obligations of Purchaser of Residence in Default

    A purchaser of a residence in default may not:        (1)    Represent, directly or indirectly, that:            (i)    The purchaser is acting as an advisor or a consultant, or in any other manner represent that the purchaser is acting on behalf of the homeowner;            (ii)    The purchaser has certification or licensure that the purchaser does not have;            (iii)    The purchaser is assisting the homeowner to “save the house” or use a substantially similar phrase; or            (iv)    The purchaser is assisting the homeowner in preventing a foreclosure if the result of the transaction is that the homeowner will no longer own the property;        (2)    Make any other statements, directly or by implication, or engage in any other conduct that is false, deceptive, or misleading, or that has the likelihood to cause confusion or misunderstanding, including statements regarding the value of the residence in default, the amount of proceeds the homeowner will receive after a sale or transfer, any contract term, or the homeowner’s rights or obligations incident to or arising out of the sale or transfer; or        (3)    Until the homeowner’s right to rescind the transaction has expired:            (i)    Record any document, including an instrument of conveyance, signed by the homeowner; or            (ii)    Transfer or encumber or purport to transfer or encumber any interest in the residence in default to any third party.
MD. Real Property Code Ann. §  7-313 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 3 - Protection of Homeowners in Foreclosure Act|Part III - Sales or Transfers of Residences in Default|Section 7-313 - Tenancy Agreement Included in Contract

    (a)    (1)    If a tenancy agreement is included in a contract for the sale or transfer of a residence in default, the purchaser shall provide the homeowner with a document entitled “STATEMENT ABOUT TENANCY” at the time the contract is executed.        (2)    The document entitled “STATEMENT ABOUT TENANCY” shall:            (i)    Be on a separate sheet of paper attached to the contract for the sale or transfer of a residence in default;            (ii)    Be dated and personally signed by the homeowner and the purchaser and be witnessed and acknowledged by a notary public appointed and commissioned by the State;            (iii)    Contain a statement informing the homeowner of the homeowner’s right to a copy of a signed lease; and            (iv)    Contain the following statement printed in at least 15 point type:“STATEMENT ABOUT TENANCY(Date of Contract)I agree to sell my home. I understand that I will no longer have an ownership interest in or any other right to own this property. Even though I may be able to live on the premises as a tenant, I will have no right to repurchase this property or to obtain any other kind of ownership interest. If I do not pay the rent as agreed, I may be subject to eviction. As a tenant, I am entitled to receive a written lease from the new owner of the property.”.    (b)    The purchaser shall provide the homeowner with a signed and dated copy of the document entitled “STATEMENT ABOUT TENANCY” immediately upon execution of the contract for the sale or transfer of the residence in default.    (c)    The time during which the homeowner may rescind the contract for the sale or transfer of a residence in default under § 7–310 of this subtitle does not begin to run until the purchaser has complied with this section.
MD. Real Property Code Ann. §  7-315 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 3 - Protection of Homeowners in Foreclosure Act|Part IV - Foreclosure Surplus Purchasers|Section 7-315 - Rescission

    (a)    In addition to any other right of rescission, a homeowner has the right to rescind any contract with a foreclosure surplus purchaser at any time within 10 days after the statement of audit account of the foreclosure sale.    (b)    (1)    Rescission occurs when the homeowner delivers, by any means, written Notice of Rescission to the address specified in the contract, with a copy to the auditor. As part of the rescission, the homeowner shall repay any consideration received directly or indirectly, together with interest calculated at the rate of 8% a year.        (2)    On receipt of the Notice of Rescission, the auditor shall restate the account. The repayment of consideration and interest by the homeowner shall be incorporated by the auditor into the revised statement of account filed with the court.        (3)    Upon ratification of the amended audit, the attorney named in the mortgage, mortgage assignee for purposes of foreclosure, trustee, or substitute trustee in making distribution of the surplus funds shall comply with the revised court–approved audit.    (c)    A Notice of Rescission given by a homeowner need not be in the form provided with the contract and is effective, however expressed, if it indicates the intention of the homeowner to rescind the contract.    (d)    The right to rescind may not be conditioned on the repayment of any funds.    (e)    Within 10 days after receipt of a Notice of Rescission given in accordance with this section, the foreclosure surplus purchaser shall return, without condition, the original contract and all other documents signed by the homeowner.
MD. Real Property Code Ann. §  7-318 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 3 - Protection of Homeowners in Foreclosure Act|Part V - Prohibited Acts; Enforcement and Penalties|Section 7-318 - Waiver of Rights

    (a)    A person may not induce or attempt to induce a homeowner to waive the homeowner’s rights under this subtitle.    (b)    Any waiver by a homeowner of the provisions of this subtitle is void and unenforceable as contrary to public policy.
MD. Real Property Code Ann. §  7-318.1 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 3 - Protection of Homeowners in Foreclosure Act|Part V - Prohibited Acts; Enforcement and Penalties|Section 7-318.1 - Violations

    It is a violation of this subtitle if a foreclosure consultant:        (1)    Fails to obtain a real estate broker’s license as required under § 7–308 of this subtitle; or        (2)    Violates any provision of Title 17 of the Business Occupations and Professions Article.
MD. Real Property Code Ann. §  7-319 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 3 - Protection of Homeowners in Foreclosure Act|Part V - Prohibited Acts; Enforcement and Penalties|Section 7-319 - Enforcement

    (a)    The Attorney General may seek an injunction to prohibit a person who has engaged or is engaging in a violation of this subtitle from engaging or continuing to engage in the violation.    (b)    The court may enter any order or judgment necessary to:        (1)    Prevent the use by a person of any prohibited practice;        (2)    Restore to a person any money or real or personal property acquired from the person by means of any prohibited practice; or        (3)    Appoint a receiver in case of willful violation of this subtitle.    (c)    In any action brought by the Attorney General under this section, the Attorney General is entitled to recover the costs of the action for the use of the State.    (d)    A violation of this subtitle is an unfair or deceptive trade practice within the meaning of Title 13 of the Commercial Law Article and is subject to the enforcement and penalty provisions contained in Title 13 of the Commercial Law Article.
MD. Real Property Code Ann. §  7-319.1 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 3 - Protection of Homeowners in Foreclosure Act|Part V - Prohibited Acts; Enforcement and Penalties|Section 7-319.1 - Enforcement Powers of Commissioner

    (a)    The Commissioner may enforce the provisions of this subtitle by exercising any of the powers provided under §§ 2–113 through 2–116 of the Financial Institutions Article.    (b)    (1)    The Commissioner may seek an injunction to prohibit a person who has engaged or is engaging in a violation of this subtitle from engaging or continuing to engage in the violation.        (2)    The court may enter any order or judgment necessary to:            (i)    Prevent the use by a person of any prohibited practice;            (ii)    Restore to a person any money or real or personal property acquired from the person by means of any prohibited practice; or            (iii)    Appoint a receiver in case of willful violation of this subtitle.        (3)    In any action brought by the Commissioner under this subsection, the Commissioner is entitled to recover the costs of the action for the use of the State.    (c)    The Commissioner may enforce the provisions of this subtitle by requiring a violator to take affirmative action to correct the violation including the restitution of money or property to any person aggrieved by the violation.    (d)    The Commissioner may:        (1)    Investigate violations of this subtitle; and        (2)    Aid any other unit of State government that has regulatory jurisdiction over the business activities of the violator.    (e)    The Commissioner may cooperate in the investigation and prosecution of any violation of this subtitle with the Office of the Attorney General, the State’s Attorney, or any other unit of law enforcement.
MD. Real Property Code Ann. §  7-320 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 3 - Protection of Homeowners in Foreclosure Act|Part V - Prohibited Acts; Enforcement and Penalties|Section 7-320 - Action for Damages by Homeowner

    (a)    (1)    In addition to any action by the Attorney General or the Commissioner authorized under this subtitle and any other action otherwise authorized by law, a homeowner may bring an action for damages incurred as the result of a practice prohibited by this subtitle.        (2)    A homeowner may bring an action for damages under this section:            (i)    Without having to exhaust administrative remedies under this subtitle; and            (ii)    Regardless of the status of an administrative action or a criminal prosecution, if any, under this subtitle.    (b)    A homeowner who brings an action under this section and who is awarded damages may also seek, and the court may award, reasonable attorney’s fees.    (c)    If the court finds that the defendant willfully or knowingly violated this subtitle, the court may award damages equal to three times the amount of actual damages.
MD. Real Property Code Ann. §  7-321 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 3 - Protection of Homeowners in Foreclosure Act|Part V - Prohibited Acts; Enforcement and Penalties|Section 7-321 - Penalties

    (a)    A person who violates any provision of this subtitle is guilty of a misdemeanor and on conviction is subject to imprisonment not exceeding 3 years or a fine not exceeding $10,000 or both.    (b)    A person who violates this subtitle is subject to § 5-106(b) of the Courts Article.
MD. Real Property Code Ann. §  7-322 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 3 - Protection of Homeowners in Foreclosure Act|Part V - Prohibited Acts; Enforcement and Penalties|Section 7-322 - Notice of Conviction

    (a)    If a criminal prosecution under this subtitle results in a conviction, the Attorney General or the State’s Attorney who has prosecuted the case shall notify the Commissioner in writing of the conviction within 30 days of the conviction.    (b)    The notice required under subsection (a) of this section shall include:        (1)    The name and address of the person convicted; and        (2)    A copy of the judgment in the criminal case.
MD. Real Property Code Ann. §  7-325 (2021)
2021 Maryland Statutes|Real Property|Title 7 - Mortgages, Deeds of Trust, and Vendor's Liens|Subtitle 3 - Protection of Homeowners in Foreclosure Act|Part VI - Short Title|Section 7-325 - Short Title

    This subtitle may be cited as the “Protection of Homeowners in Foreclosure Act”.