reglab/housing_qa huggingface dataset:
MD. Financial Institutions Code Ann. §  1-209 (2021)
2021 Maryland Statutes|Financial Institutions|Title 1 - Definitions; General Provisions|Subtitle 2 - General Provisions|Section 1-209 - Regulation of Extension of Credit

    (a)    Only the State may enact a law which purports to regulate extensions of credit made by a financial institution.    (b)    This section does not:        (1)    Affect federal law preemption of State law;        (2)    Restrict or otherwise affect local laws that establish property ownership or the rights and obligations of property owners;        (3)    Restrict or otherwise affect a local government’s ability to regulate its fiscal, economic, or community development policy;        (4)    Restrict or otherwise affect a local government’s ability to enact laws or adopt regulations relating to fair housing or other civil rights; or        (5)    Restrict or otherwise affect a local government’s ability to establish or administer loan programs to assist residents with financial needs.
MD. Financial Institutions Code Ann. §  1-210 (2021)
2021 Maryland Statutes|Financial Institutions|Title 1 - Definitions; General Provisions|Subtitle 2 - General Provisions|Section 1-210 - Certificates of Deposit; Claims for Payment

    (a)    (1)    In this section the following words have the meanings indicated.        (2)    “Account agreement” means one or more written instruments that establish when a certificate of deposit is payable.        (3)    “Certificate of deposit” means a deposit or share account at a depository institution that:            (i)    Is payable by the depository institution at the expiration of a specified time; and            (ii)    May be transferable or nontransferable, negotiable or nonnegotiable, and renewable or nonrenewable.        (4)    “Depository institution” means a State-chartered or federally chartered financial institution located in the State that is authorized to maintain certificates of deposit.        (5)    “Maturity date” means the time specified in an account agreement when a certificate of deposit is first payable, without taking into account any agreement regarding renewals.    (b)    Subject to subsection (c) of this section, an action to enforce the obligation of a depository institution to pay all or part of the balance of a certificate of deposit must be commenced by the earlier of:        (1)    The time that an action to enforce an obligation under § 3-118(e) of the Commercial Law Article must be commenced, if the certificate of deposit is subject to that section; or        (2)    6 years after the later of:            (i)    The maturity date of the certificate of deposit;            (ii)    The due date of the certificate of deposit indicated in the depository institution’s last written notice of renewal of the certificate of deposit, if any;            (iii)    The date of the last written communication from the depository institution recognizing the depository institution’s obligation to pay the certificate of deposit; or            (iv)    The last day of the taxable year for which a person identified in the certificate of deposit last reported interest income earned on the certificate of deposit on a federal or State income tax return.    (c)    Notwithstanding subsection (b) of this section, an action to enforce the obligation of a depository institution to pay all or part of the balance of an automatically renewing certificate of deposit in existence on June 1, 2006, must be commenced by the later of:        (1)    6 years after the later of the events described in subsection (b)(2)(i) through (iv) of this section; or        (2)    1 year after June 1, 2006.
MD. Financial Institutions Code Ann. §  1-211 (2021)
2021 Maryland Statutes|Financial Institutions|Title 1 - Definitions; General Provisions|Subtitle 2 - General Provisions|Section 1-211 - Savings Promotion Raffles

    (a)    (1)    In this section the following words have the meanings indicated.        (2)    “Depository institution” means a financial institution that:            (i)    Is located in this State or maintains a branch in this State; and            (ii)    Is authorized to maintain qualifying accounts.        (3)    “Eligible customer” means an individual who:            (i)    Maintains a qualifying account at a depository institution;            (ii)    Is an adult; and            (iii)    Is a resident of this State.        (4)    “Qualifying account” means a savings account, share account, or other savings product or program:            (i)    Offered by a depository institution;            (ii)    Insured by the Federal Deposit Insurance Corporation, the National Credit Union Administration, or a credit union share guaranty corporation that is approved by the Commissioner; and            (iii)    Through which eligible customers may obtain chances to win prizes in a savings promotion raffle.        (5)    “Savings promotion raffle” means a contest in which:            (i)    The sole consideration required for a chance of winning designated prizes is obtained by the deposit of a specified amount of money in a qualifying account; and            (ii)    Each ticket or entry has an equal chance of being drawn.    (b)    A depository institution may conduct a savings promotion raffle for the exclusive benefit of eligible customers if:        (1)    The depository institution maintains books and records relating to the savings promotion raffle; and        (2)    The savings promotion raffle will not:            (i)    Harm the depository institution’s ability to operate in a safe and sound manner; or            (ii)    Mislead the depository institution’s customers.    (c)    Except as preempted by federal law, the Commissioner may:        (1)    Examine the conduct of a savings promotion raffle; and        (2)    Issue a cease and desist order under § 5–808 of this article for a violation of this section.
MD. Financial Institutions Code Ann. §  1-301 (2021)
2021 Maryland Statutes|Financial Institutions|Title 1 - Definitions; General Provisions|Subtitle 3 - Confidential Financial Records|Section 1-301 - Definitions

    (a)    In this subtitle the following words have the meanings indicated.    (b)    (1)    “Fiduciary institution” means:            (i)    A national banking association;            (ii)    A State banking institution;            (iii)    An other-state bank that maintains a branch in this State;            (iv)    A credit union that is organized under the laws of this State or of the United States;            (v)    Any other organization that is organized under the banking laws of this State and subject to the supervision of the Commissioner; or            (vi)    A savings and loan association that is organized under the laws of this State or of the United States.        (2)    “Fiduciary institution” does not include any person licensed by the Commissioner under Title 11 of this article.    (c)    (1)    “Financial record” means the original or any copy or record of:            (i)    A document that grants signature authority over a deposit or share account;            (ii)    A statement, ledger card, or other record of a deposit or share account that shows transactions in or with respect to that deposit or account;            (iii)    A check, clear draft, or money order that is drawn on a fiduciary institution or issued and payable by or through a fiduciary institution;            (iv)    Any item, other than an institutional or periodic charge, that is made under an agreement between a fiduciary institution and another person and that constitutes a debit or a credit to that person’s deposit or share account; or            (v)    Any information that relates to a loan account or an application for a loan.        (2)    “Financial record” includes any evidence of a transaction conducted by means of an electronic terminal.    (d)    “Supervisory agency” means:        (1)    The Federal Deposit Insurance Corporation;        (2)    The Federal Savings and Loan Insurance Corporation;        (3)    The Federal Home Loan Bank Board;        (4)    The National Credit Union Administration;        (5)    The Federal Reserve Board;        (6)    The United States Comptroller of the Currency;        (7)    The State of Maryland Deposit Insurance Fund Corporation;        (8)    The Credit Union Insurance Corporation;        (9)    The Commissioner;        (10)    The Division of Savings and Loan Associations; or        (11)    An agency of another state with primary responsibility for chartering and supervising banks.
MD. Financial Institutions Code Ann. §  1-302 (2021)
2021 Maryland Statutes|Financial Institutions|Title 1 - Definitions; General Provisions|Subtitle 3 - Confidential Financial Records|Section 1-302 - Disclosure of Financial Records Prohibited; Exceptions

    Except as otherwise expressly provided in this subtitle, a fiduciary institution, its officers, employees, agents, and directors:        (1)    May not disclose to any person any financial record relating to a customer of the institution unless:            (i)    The customer has authorized the disclosure to that person;            (ii)    Proceedings have been instituted for appointment of a guardian of the property or of the person of the customer, and court–appointed counsel presents to the fiduciary institution an order of appointment or a certified copy of the order issued by or under the direction or supervision of the court or an officer of the court;            (iii)    The customer is disabled and a guardian is appointed or qualified by a court, and the guardian presents to the fiduciary institution an order of appointment or a certified copy of the order issued by or under the direction or supervision of the court or an officer of the court;            (iv)    The customer is deceased and a personal representative is appointed or qualified by a court, and the personal representative presents to the fiduciary institution letters of administration issued by or under the direction or supervision of the court or an officer of the court;            (v)    The Department of Human Services requests the financial record in the course of verifying the individual’s eligibility for public assistance;            (vi)    The institution received a request, notice, or subpoena for information directly from the Child Support Administration of the Department of Human Services under § 10–108.2, § 10–108.3, or § 10–108.5 of the Family Law Article or indirectly through the Federal Parent Locator Service under 42 U.S.C. § 666(a)(17); or            (vii)    The institution received a request, notice, or subpoena for information directly from the Comptroller under § 13–804 or § 13–812 of the Tax – General Article;        (2)    Shall disclose any information requested in writing by the Department of Human Services relative to money held in a savings deposit, time deposit, demand deposit, or any other deposit held by the fiduciary institution in the name of the individual who is a recipient or applicant for public assistance; and        (3)    Shall disclose any information requested in writing by the Comptroller relative to money held in a savings deposit, time deposit, demand deposit, or any other deposit held by the fiduciary institution in the name of an individual whose property is subject to a tax lien.
MD. Financial Institutions Code Ann. §  1-304 (2021)
2021 Maryland Statutes|Financial Institutions|Title 1 - Definitions; General Provisions|Subtitle 3 - Confidential Financial Records|Section 1-304 - Permitted Disclosures -- Subpoena

    (a)    In this section, “subpoena” means a subpoena, summons, warrant, or court order that appears on its face to have been issued on lawful authority.    (b)    A fiduciary institution may disclose or produce financial records or information derived from financial records in compliance with a subpoena served on the fiduciary institution, if:        (1)    The subpoena contains a certification that a copy of the subpoena has been served on the person whose records are sought by the party seeking the disclosure or production of the records; or        (2)    Contains a certification that service has been waived by the court for good cause.
MD. Financial Institutions Code Ann. §  1-305 (2021)
2021 Maryland Statutes|Financial Institutions|Title 1 - Definitions; General Provisions|Subtitle 3 - Confidential Financial Records|Section 1-305 - Penalties

    (a)    Any officer, employee, agent, or director of a fiduciary institution who knowingly and willfully discloses financial records in violation of this subtitle is guilty of a misdemeanor and on conviction is subject to a fine of not more than $1,000.    (b)    Any person who knowingly and willfully induces or attempts to induce an officer, employee, agent, or director of a fiduciary institution to disclose financial records in violation of this subtitle is guilty of a misdemeanor and on conviction is subject to a fine of not more than $1,000.    (c)    (1)    Subsections (a) and (b) of this section do not apply in connection with an abuse report required under § 1–306(d) of this subtitle.        (2)    A fiduciary institution that fails to file an abuse report concerning an elder adult as required under § 1–306(d) of this subtitle is subject to:            (i)    A civil penalty not exceeding $1,000; or            (ii)    If the failure to report is willful, a civil penalty not exceeding $5,000.        (3)    The civil penalties provided under paragraph (2) of this subsection:            (i)    May be recovered only in a civil action brought by the Attorney General against the fiduciary institution; and            (ii)    Shall be paid by the fiduciary institution.        (4)    A person who discloses information contained in an abuse report in violation of § 1–306(d)(4) of this subtitle is guilty of a misdemeanor and on conviction is subject to a fine not exceeding $500.
MD. Financial Institutions Code Ann. §  1-401 (2021)
2021 Maryland Statutes|Financial Institutions|Title 1 - Definitions; General Provisions|Subtitle 4 - Automated Teller Machines|Section 1-401 - Definitions

    (a)    In this subtitle the following words have the meanings indicated.    (b)    (1)    “Access area” means any paved walkway or sidewalk which is within 50 feet of an automated teller machine.        (2)    “Access area” does not include any publicly maintained street or highway or any adjacent sidewalk.    (c)    “Access device” has the meaning stated in Federal Reserve Board Regulation E, 12 C.F.R., Part 205.    (d)    (1)    “Automated teller machine” means any electronic information processing device located in this State which accepts or dispenses cash in connection with a credit, deposit, or convenience account.        (2)    “Automated teller machine” does not include devices used:            (i)    Solely to facilitate check guarantees or check authorizations;            (ii)    In connection with the acceptance or dispensing of cash on a person-to-person basis, including by a store cashier; or            (iii)    For the payment of goods or services.    (e)    “Candlefoot power” means the light intensity of candles on a horizontal plane at 36 inches above ground level and 5 feet in front of the area to be measured.    (f)    “Control” of an access area or defined parking area means to have the present authority to determine how, when, and by whom such area is to be used, maintained, lighted, and landscaped.    (g)    “Customer” means an individual to whom an access device has been issued for personal, family, or household use.    (h)    (1)    “Defined parking area” means that portion of a parking area open for customer parking which is:            (i)    Contiguous to an access area with respect to an automated teller machine;            (ii)    Regularly, principally, and lawfully used for parking by users of the automated teller machine while conducting automated teller machine transactions during the hours of darkness; and            (iii)    Owned or controlled by the operator of the automated teller machine or by the party leasing the automated teller machine site to the operator.        (2)    “Defined parking area” includes only the single parking level of a multiple level parking area deemed by the operator of the automated teller machine to be the most directly accessible to users of the automated teller machine if the parking area otherwise satisfies the conditions contained in paragraph (1) of this subsection.        (3)    “Defined parking area” does not include a parking area which is:            (i)    Not regularly used for parking by users of the automated teller machine who are conducting automated teller machine transactions during the hours of darkness; or            (ii)    Physically closed to access or is marked by conspicuous signs indicating that it is closed.    (i)    “Hours of darkness” means the period that begins 30 minutes after sunset and ends 30 minutes before sunrise.    (j)    “Operator” means a financial institution or other person that operates an automated teller machine.
MD. Financial Institutions Code Ann. §  1-402.1 (2021)
2021 Maryland Statutes|Financial Institutions|Title 1 - Definitions; General Provisions|Subtitle 4 - Automated Teller Machines|Section 1-402.1 - Video Cameras in Automated Teller Machines

    (a)    This section does not apply to an automated teller machine that is:        (1)    Located inside a building unless:            (i)    The building is a freestanding installation that exists solely to provide an enclosure for the automated teller machine; or            (ii)    A user of the automated teller machine is able to conduct a transaction from outside the building; or        (2)    Operated by a financial institution, unless the automated teller machine is located at or within or attached to premises owned by or under the control of the financial institution.    (b)    Each operator of an automated teller machine subject to this section shall:        (1)    Install and maintain a video camera that views and records an image of a user as the user performs a transaction at the automated teller machine; and        (2)    Preserve the recordings made by the video camera for at least 45 calendar days.    (c)    An operator of an automated teller machine subject to this section is not in violation of this section if a video camera required under subsection (b) of this section malfunctions due to a reason not within the operator’s control.
MD. Financial Institutions Code Ann. §  1-403 (2021)
2021 Maryland Statutes|Financial Institutions|Title 1 - Definitions; General Provisions|Subtitle 4 - Automated Teller Machines|Section 1-403 - Authorization to Operate; Authorized Transactions; Failure to Meet Requirements

    (a)    Subject to this section, a banking institution or credit union may have an automated teller machine at a location other than the principal office or a branch of a banking institution or credit union.    (b)    (1)    Except as provided in paragraph (2) of this subsection, at least 15 business days before commencing the installation of an automated teller machine, a banking institution or credit union shall submit to the Commissioner written notice of its intent to install the automated teller machine.        (2)    No written notice of intent to install an automated teller machine is required if the automated teller machine is to be located at the principal office or a branch of a banking institution or credit union.    (c)    (1)    An automated teller machine may receive and dispense money as instructed by a customer.        (2)    A banking institution or credit union may verify by direct wire transmission or otherwise any transaction that is made by means of an automated teller machine.        (3)    The Commissioner may adopt rules and regulations that are substantially similar to those rules and regulations of the Comptroller of the Currency for the operation and shared use of automated teller machines by national banking associations.    (d)    (1)    If, after the Commissioner receives the notice required under subsection (b)(1) of this section or the automated teller machine is installed, any requirement of this section is not being met, or if the Commissioner determines that the operation of the automated teller machine is not consistent with safety and soundness and the security of the transactions, the Commissioner shall give the banking institution or credit union notice of the deficiency.        (2)    On notice of deficiency, a banking institution or credit union shall stop using the automated teller machine.        (3)    If the Commissioner determines that the deficiency has been corrected, the banking institution or credit union may resume use of the automated teller machine.    (e)    For purposes of this article, an automated teller machine is not a branch of a banking institution or credit union.
MD. Financial Institutions Code Ann. §  1-404 (2021)
2021 Maryland Statutes|Financial Institutions|Title 1 - Definitions; General Provisions|Subtitle 4 - Automated Teller Machines|Section 1-404 - Notice of Fees

    (a)    At or before the time a transaction is initiated, the operator of an automated teller machine shall provide the person using the automated teller machine with notice of the fee to be charged by the operator for use of the automated teller machine by persons using access devices not issued by the operator.    (b)    (1)    The operator may give the notice required under subsection (a) of this section by either:            (i)    Posting in a conspicuous place on or near the automated teller machine the amount of the fee; or            (ii)    Listing the amount of the fee on the screen of the automated teller machine at the time the transaction is initiated.        (2)    If the operator gives the notice in the manner provided by paragraph (1)(ii) of this subsection, the person using the automated teller machine shall be provided with the opportunity to cancel the transaction without incurring any fee.
MD. Financial Institutions Code Ann. §  1-405 (2021)
2021 Maryland Statutes|Financial Institutions|Title 1 - Definitions; General Provisions|Subtitle 4 - Automated Teller Machines|Section 1-405 - Foreign Banking Corporation

    (a)    “Foreign banking corporation” has the meaning stated in § 12-201(e) of this article.    (b)    A foreign banking corporation may not have an automated teller machine in this State for any purpose unless:        (1)    The foreign banking corporation obtains from the Commissioner a permit for the automated teller machine; or        (2)    The automated teller machine is authorized under:            (i)    The Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 or other federal law; or            (ii)    Title 5, Subtitle 9 or Subtitle 10 of this article.    (c)    The process for obtaining a permit for the automated teller machine is as stated in §§ 12-208 and 12-209 of this article.
MD. Financial Institutions Code Ann. §  1-406 (2021)
2021 Maryland Statutes|Financial Institutions|Title 1 - Definitions; General Provisions|Subtitle 4 - Automated Teller Machines|Section 1-406 - Authority to Enact Laws; Preemption of Local Law

    (a)    Only the State may enact a law regarding automated teller machines.    (b)    This subtitle shall preempt any local law governing automated teller machines.
MD. Financial Institutions Code Ann. §  2-101 (2021)
2021 Maryland Statutes|Financial Institutions|Title 2 - Commissioner and Boards|Subtitle 1 - Commissioner of Financial Regulation|Section 2-101 - Office Established

    There is a Commissioner of Financial Regulation in the Maryland Department of Labor.