reglab/housing_qa huggingface dataset:
MD. Financial Institutions Code Ann. §  2-102 (2021)
2021 Maryland Statutes|Financial Institutions|Title 2 - Commissioner and Boards|Subtitle 1 - Commissioner of Financial Regulation|Section 2-102 - Appointment; Responsibility to Secretary; Qualifications; Compensation

    (a)    The Commissioner is appointed by the Secretary of Labor with the approval of the Governor and the advice and consent of the Senate.    (b)    The Commissioner serves at the pleasure of the Secretary of Labor.    (c)    The Commissioner shall have at least 5 years of experience in state or national banking regulation or management, which may include service as a bank director.    (d)    The Commissioner is entitled to the salary provided in the State budget.
MD. Financial Institutions Code Ann. §  2-103 (2021)
2021 Maryland Statutes|Financial Institutions|Title 2 - Commissioner and Boards|Subtitle 1 - Commissioner of Financial Regulation|Section 2-103 - Deputy Commissioner

    (a)    With the approval of the Secretary of Labor, the Commissioner shall appoint a Deputy Commissioner.    (b)    The Deputy Commissioner serves at the pleasure of the Commissioner and is an employee of the Commissioner’s office.    (c)    The Deputy Commissioner shall have at least 5 years of experience in:        (1)    State or national banking regulation or management; or        (2)    The regulation or management of the business of making loans by persons of the type regulated by this article.    (d)    The Deputy Commissioner is entitled to the salary provided in the State budget.    (e)    In addition to any other powers and duties set forth in this article, the Deputy Commissioner has the powers and duties of the Commissioner:        (1)    To the extent delegated by the Commissioner;        (2)    If the office of the Commissioner is vacant; and        (3)    If for any reason the Commissioner is unable to perform the duties of the office.
MD. Financial Institutions Code Ann. §  2-104 (2021)
2021 Maryland Statutes|Financial Institutions|Title 2 - Commissioner and Boards|Subtitle 1 - Commissioner of Financial Regulation|Section 2-104 - Staff

    (a)    (1)    In this section the following words have the meanings indicated.        (2)    “Applicant” means an applicant for employment with the Commissioner.        (3)    “Central Repository” means the Criminal Justice Information System Central Repository of the Department of Public Safety and Correctional Services.        (4)    “Employee” means a full–time or part–time employee of the Commissioner, including a temporary employee or a contractual employee.    (b)    The Commissioner may employ a staff in accordance with the State budget.    (c)    The Commissioner shall apply to the Central Repository for a State and national criminal history records check for each applicant prior to an offer of employment.    (d)    The Commissioner may apply to the Central Repository for a State and national criminal history records check for an employee.    (e)    As part of the application for a criminal history records check, the Commissioner shall submit to the Central Repository:        (1)    Two complete sets of the  legible fingerprints taken on forms approved by the Director of the Central Repository and the Director of the Federal Bureau of Investigation;        (2)    The fee authorized under § 10–221(b)(7) of the Criminal Procedure Article for access to Maryland criminal history records; and        (3)    The mandatory processing fee required by the Federal Bureau of Investigation for a national criminal history records check.    (f)    In accordance with §§ 10–201 through 10–234 of the Criminal Procedure Article, the Central Repository shall forward to the subject applicant or employee and the Commissioner the applicant’s or employee’s criminal history record information.    (g)    Information obtained from the Central Repository under this section:        (1)    Shall be confidential;        (2)    May not be redisseminated; and        (3)    Shall be used only for the employment purpose authorized by this section.    (h)    The subject of a criminal history records check under this section may contest the contents of the printed statement issued by the Central Repository as provided in § 10–223 of the Criminal Procedure Article.    (i)    In considering any felony or misdemeanor conviction of an individual as it relates to the individual’s qualification for employment with the Commissioner, the Commissioner shall consider:        (1)    The nature of the crime;        (2)    The relevance of the crime to the duties and responsibilities related to employment;        (3)    The length of time since the conviction; and        (4)    The behavior and activities of the individual since the conviction.
MD. Financial Institutions Code Ann. §  2-105 (2021)
2021 Maryland Statutes|Financial Institutions|Title 2 - Commissioner and Boards|Subtitle 1 - Commissioner of Financial Regulation|Section 2-105 - Authority of Secretary

    The Commissioner exercises the powers and performs the duties of the office subject to the authority of the Secretary of Labor.
MD. Financial Institutions Code Ann. §  2-105.1 (2021)
2021 Maryland Statutes|Financial Institutions|Title 2 - Commissioner and Boards|Subtitle 1 - Commissioner of Financial Regulation|Section 2-105.1 - Regulations; Multistate Automated Licensing Systems

    (a)    (1)    In this section the following words have the meanings indicated.        (2)    “Collection agency” has the meaning stated in § 7–101 of the Business Regulation Article.        (3)    “Consumer reporting agency” has the meaning stated in § 14–1201 of the Commercial Law Article.        (4)    “Credit services business” has the meaning stated in § 14–1901 of the Commercial Law Article.        (5)    “Debt management services provider” has the meaning stated in § 12–901 of this article.        (6)    “Money transmission” has the meaning stated in § 12–401 of this article.        (7)    “Mortgage lender” has the meaning stated in § 11–501 of this article.        (8)    “Mortgage originator” has the meaning stated in § 11–601 of this article.        (9)    “Provide check cashing services” has the meaning stated in § 12–101 of this article.        (10)    “Sales finance company” has the meaning stated in § 11–401 of this article.    (b)    The Commissioner may adopt and enforce regulations reasonably necessary to carry out the authority and responsibility of the office of Commissioner.    (c)    (1)    The Commissioner may participate in NMLS for:            (i)    Collection agencies;            (ii)    Debt management services providers;            (iii)    Mortgage lenders;            (iv)    Mortgage originators;            (v)    Persons who engage in money transmission;            (vi)    Persons who are required to be licensed under Title 11, Subtitle 2 of this article;            (vii)    Persons who are required to be licensed under Title 11, Subtitle 3 of this article;            (viii)    Persons who are required to be licensed under Title 12, Subtitle 1 of this article;            (ix)    Persons who are required to be licensed under Title 14, Subtitle 19 of the Commercial Law Article;            (x)    Sales finance companies; and            (xi)    Consumer reporting agencies.        (2)    To facilitate participation in NMLS, the Commissioner may adopt regulations that waive or modify the requirements of:            (i)    Title 11, Subtitles 4, 5, and 6 of this article with respect to sales finance companies, mortgage lenders, and mortgage originators;            (ii)    Title 12, Subtitles 1, 4, and 9 of this article with respect to providers of check cashing services, persons who engage in money transmission, and providers of debt management services;            (iii)    Title 11, Subtitle 2 of this article;            (iv)    Title 11, Subtitle 3 of this article;            (v)    Title 7 of the Business Regulation Article with respect to collection agencies;            (vi)    Title 14, Subtitle 19 of the Commercial Law Article; and            (vii)    Title 14, Subtitle 12 of the Commercial Law Article.
MD. Financial Institutions Code Ann. §  2-106 (2021)
2021 Maryland Statutes|Financial Institutions|Title 2 - Commissioner and Boards|Subtitle 1 - Commissioner of Financial Regulation|Section 2-106 - Seal

    The Commissioner shall adopt an official seal. A description and impression of the seal shall be filed with the Secretary of State.
MD. Financial Institutions Code Ann. §  2-107 (2021)
2021 Maryland Statutes|Financial Institutions|Title 2 - Commissioner and Boards|Subtitle 1 - Commissioner of Financial Regulation|Section 2-107 - Annual Report

    On or before December 31 of each year, the Commissioner shall submit to the Governor and, as provided under § 2–1257 of the State Government Article, the General Assembly an annual report that includes, at a minimum, the following information concerning the most recently completed fiscal year ending June 30:        (1)    Operations of the office of the Commissioner;        (2)    Amendments proposed by the Commissioner regarding the laws the Commissioner administers;        (3)    Failures of licensed persons and State–chartered financial institutions;        (4)    A summary of the composite ratings of banking institutions and State–chartered credit unions; and        (5)    A breakdown by license category of the number of penalties assessed and instances of consumer recovery.
MD. Financial Institutions Code Ann. §  2-108 (2021)
2021 Maryland Statutes|Financial Institutions|Title 2 - Commissioner and Boards|Subtitle 1 - Commissioner of Financial Regulation|Section 2-108 - Collection of Nonrefundable Fees

    (a)    The Commissioner shall charge and collect, in advance, the following nonrefundable fees:        (1)    An examination fee for a new commercial bank charter under § 3–203 of this article......................................................................................................$15,000        (2)    A filing fee for an agreement of consolidation, merger, or transfer of assets under § 3–703 of this article:            (i)    Between two commercial banks    $3,000            (ii)    Among three or more commercial banks    $5,000        (3)    An application fee for a banking institution to have an affiliate under § 5–403 of this article    $750        (4)    A fee for a conversion of a national banking association, a federal stock savings and loan association, or a federal stock savings bank into a commercial bank under § 3–801 of this article or a federal mutual savings bank into a savings bank under § 4–701.1 of this article:            (i)    Filing fee    $7,000            (ii)    Examination fee    $3,000        (5)    Subject to subsection (b) of this section, a branch fee for:            (i)    An application of a banking institution or other–state bank to open a branch under §§ 5–1003 and 5–1005(a) of this article    $600;or            (ii)    An expedited notice of a banking institution or other–state bank to open a branch under §§ 5–1003 and 5–1005(b) of this article    $400        (6)    An application fee for a foreign banking permit under § 12–208 of this article......................................................................................................................$500        (7)    A renewal fee for a foreign banking permit under § 12–210 of this article..............................................................................................................................$500        (8)    A fee for a certificate of valid charter:            (i)    If requested by or on behalf of a banking institution    $25            (ii)    If requested by or on behalf of a person other than a banking institution.........................................................................................................................$50        (9)    A fee for a certified copy of a document    $50        (10)    An application fee for conversion of a savings bank to a capital stock commercial bank under § 4–703 of this article………………………………….$5,000    (b)    The branch fee under subsection (a)(5) of this section does not apply to:        (1)    A branch that is acquired by a banking institution through a merger or consolidation with, or transfer to the banking institution of all or substantially all of the assets of, a bank or an insured depository institution; or        (2)    An other–state bank chartered by a state that does not charge a fee to a banking institution for establishing a branch in that state.
MD. Financial Institutions Code Ann. §  2-109 (2021)
2021 Maryland Statutes|Financial Institutions|Title 2 - Commissioner and Boards|Subtitle 1 - Commissioner of Financial Regulation|Section 2-109 - Payment of Money to General Fund

    Except as otherwise provided by law, the Commissioner shall pay all money collected by the Commissioner under this article into the General Fund of this State.
MD. Financial Institutions Code Ann. §  2-110 (2021)
2021 Maryland Statutes|Financial Institutions|Title 2 - Commissioner and Boards|Subtitle 1 - Commissioner of Financial Regulation|Section 2-110 - Full-Time Duties of Commissioner and Deputy Commissioner

    (a)    The Commissioner and Deputy Commissioner shall devote full time to their duties.    (b)    The Commissioner and Deputy Commissioner may not:        (1)    Be an officer or director of any State banking institution or national banking association, or in any entity engaged in the business of making loans; or        (2)    Engage in any other business relating to banks and financial institutions or lending.
MD. Financial Institutions Code Ann. §  2-111 (2021)
2021 Maryland Statutes|Financial Institutions|Title 2 - Commissioner and Boards|Subtitle 1 - Commissioner of Financial Regulation|Section 2-111 - Conflicts of Interest -- Ownership of Certain Stock Prohibited

    (a)    The Commissioner, employees of the Commissioner’s office, and other State employees acting under supervision of the Commissioner’s office may not own stock in any institution that is subject to examination or supervision by the Commissioner.    (b)    This section does not apply to a member share account of the Commissioner, an employee of the Commissioner’s office, or other State employees acting under the supervision of the Commissioner’s office held at a credit union that has a membership of over 60,000 State employees.
MD. Financial Institutions Code Ann. §  2-112 (2021)
2021 Maryland Statutes|Financial Institutions|Title 2 - Commissioner and Boards|Subtitle 1 - Commissioner of Financial Regulation|Section 2-112 - Conflicts of Interest -- Other Prohibited Activities

    (a)    Except as provided in subsection (b) of this section, the Commissioner, employees of the Commissioner’s office, and other State employees acting under the supervision of the Commissioner’s office may not:        (1)    Become indebted to any institution that is subject to the jurisdiction of the Commissioner; or        (2)    Engage or be interested in the sale of securities of or in the negotiation of loans for others to or with any banking institution or credit union.    (b)    This section does not apply to a loan that is:        (1)    Made to a member of a credit union that has a membership of over 60,000 State employees; and        (2)    Approved by:            (i)    A credit committee approval under § 6-603(a)(1) of this article; and            (ii)    The Board of Directors.    (c)    The Commissioner, employees of the Commissioner’s office, and other State employees acting under the supervision of the Commissioner’s office may not:        (1)    Serve as an officer, director, or committee member of a credit union; or        (2)    Exercise any voting rights in a credit union.    (d)    Any person who violates any provision of this section is subject to forfeiture of that person’s office or employment.
MD. Financial Institutions Code Ann. §  2-113 (2021)
2021 Maryland Statutes|Financial Institutions|Title 2 - Commissioner and Boards|Subtitle 1 - Commissioner of Financial Regulation|Section 2-113 - Investigative and Enforcement Powers -- in General

    (a)    In this section, “affiliate” has the meaning stated in § 5–401(b) of this article.    (b)    Except as provided in subsection (d) of this section, the investigative and enforcement powers of the Commissioner authorized under this subtitle are in addition to any investigative or enforcement powers of the Commissioner authorized under any other provision of law.    (c)    Beginning in fiscal year 2001, the Governor shall appropriate in the State budget in each fiscal year to the Division of Financial Regulation funding for the positions necessary to implement the investigative and enforcement powers authorized under this subtitle.    (d)    Except as provided in § 2–117 of this subtitle, the provisions of §§ 2–114 through 2–117, inclusive, of this subtitle do not apply to:        (1)    Any bank, trust company, savings bank, savings and loan association, or credit union incorporated or chartered under the laws of this State or the United States that maintains its principal office in this State;        (2)    Any out–of–state bank, as defined in § 5–1001 of this article, having a branch that accepts deposits in this State;        (3)    Any institution incorporated under federal law as a savings association or savings bank that does not maintain its principal office in this State but has a branch that accepts deposits in this State; or        (4)    An affiliate of an institution described in item (1), (2), or (3) of this subsection over which the Commissioner has no jurisdiction.
MD. Financial Institutions Code Ann. §  2-114 (2021)
2021 Maryland Statutes|Financial Institutions|Title 2 - Commissioner and Boards|Subtitle 1 - Commissioner of Financial Regulation|Section 2-114 - Investigative and Enforcement Powers -- Powers of Commissioner; Oaths and Discovery; Order to Compel

    (a)    The Commissioner may:        (1)    Make public or private investigations as the Commissioner considers necessary to:            (i)    Determine whether a person has violated a provision of law, regulation, rule, or order over which the Commissioner has jurisdiction; or            (ii)    Aid in the enforcement of a law or in the prescribing of regulations, rules, and orders over which the Commissioner has jurisdiction;        (2)    Require or permit a person to file a statement in writing, under oath or otherwise as the Commissioner determines, as to all the facts and circumstances concerning the matter to be investigated; and        (3)    Subject to the provisions of Title 4 of the General Provisions Article:            (i)    Deny records of an investigation; or            (ii)    Publish information concerning a violation of a law, regulation, rule, or order over which the Commissioner has jurisdiction.    (b)    For the purpose of an investigation or proceeding, the Commissioner or an officer designated by the Commissioner may administer oaths and affirmations, subpoena witnesses, compel witness attendance, take evidence, and require the production of books, papers, correspondence, memoranda, agreements, or other documents or records that the Commissioner considers relevant or material to the inquiry.    (c)    (1)    In case of contumacy by or refusal to obey a subpoena issued to a person, the circuit court of the county in which the person resides or transacts business, on application by the Commissioner, may issue to the person an order requiring the person to appear before the Commissioner or the officer designated by the Commissioner to produce documentary evidence if so ordered or to give evidence touching the matter under investigation or in question.        (2)    Failure to obey the order of the court may be punished by the court as a contempt of court.
MD. Financial Institutions Code Ann. §  2-115 (2021)
2021 Maryland Statutes|Financial Institutions|Title 2 - Commissioner and Boards|Subtitle 1 - Commissioner of Financial Regulation|Section 2-115 - Investigative and Enforcement Powers -- Cease and Desist Orders; Authorized Actions for Violations; Penalties

    (a)    When the Commissioner determines that a person has engaged in an act or practice constituting a violation of a law, regulation, rule or order over which the Commissioner has jurisdiction, and that immediate action against the person is in the public interest, the Commissioner may in the Commissioner’s discretion issue, without a prior hearing, a summary order directing the person to cease and desist from engaging in the activity, provided that the summary cease and desist order gives the person:        (1)    Notice of the opportunity for a hearing before the Commissioner to determine whether the summary cease and desist order should be vacated, modified, or entered as final; and        (2)    Notice that the summary cease and desist order will be entered as final if the person does not request a hearing within 15 days of receipt of the summary cease and desist order.    (b)    When the Commissioner determines after notice and a hearing, unless the right to notice and a hearing is waived, that a person has engaged in an act or practice constituting a violation of a law, regulation, rule or order over which the Commissioner has jurisdiction, the Commissioner may in the Commissioner’s discretion and in addition to taking any other action authorized by law:        (1)    Issue a final cease and desist order against the person;        (2)    Suspend or revoke the license of the person;        (3)    Issue a penalty order against the person imposing a civil penalty not exceeding:            (i)    $10,000 for a first violation; and            (ii)    $25,000 for each subsequent violation; or        (4)    Take any combination of the actions specified in this subsection.    (c)    In determining the amount of financial penalty to be imposed under subsection (b) of this section, the Commissioner shall consider the following factors:        (1)    The seriousness of the violation;        (2)    The good faith of the violator;        (3)    The violator’s history of previous violations;        (4)    The deleterious effect of the violation on the public and the industry involved;        (5)    The assets of the violator; and        (6)    Any other factors relevant to the determination of the financial penalty.    (d)    Notice of any hearing under this section shall be given and the hearing shall be held in accordance with the Administrative Procedure Act.
MD. Financial Institutions Code Ann. §  2-116 (2021)
2021 Maryland Statutes|Financial Institutions|Title 2 - Commissioner and Boards|Subtitle 1 - Commissioner of Financial Regulation|Section 2-116 - Investigative and Enforcement Powers -- Circuit Court Action

    (a)    When it appears to the Commissioner that a person is about to engage in an act or practice constituting a violation of a law, regulation, rule, or order over which the Commissioner has jurisdiction, the Commissioner may bring an action in the circuit court of the county in which the person resides or transacts business to obtain one or more of the following remedies:        (1)    A temporary restraining order; or        (2)    A temporary or permanent injunction.    (b)    When it appears to the Commissioner that a person has engaged in an act or practice constituting a violation of a law, regulation, rule, or order over which the Commissioner has jurisdiction, the Commissioner may bring an action in the circuit court of the county in which the person resides or transacts business to obtain one or more of the following remedies:        (1)    A temporary restraining order;        (2)    A temporary or permanent injunction;        (3)    A civil penalty not exceeding:            (i)    $10,000 for a first violation; and            (ii)    $25,000 for each subsequent violation;        (4)    A declaratory judgment;        (5)    An order preventing access to the violator’s assets;        (6)    Rescission;        (7)    Restitution; and        (8)    Any other relief as the court deems just.    (c)    The Commissioner may not be required to post a bond in an action under this section.