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Legislation

Loans -see also- Mortgages

Legislation Sponsorship Type Sort Chamber Sort
Bill/Chapter (Cross/Chapter)
HB0004 (SB0208)
Title
Public Safety – Rifles and Shotguns – Sales, Rentals, and Transfers
Sponsor
Delegate Atterbeary
2 2
Bill/Chapter (Cross/Chapter)
HB0021 /CH0028 (SB0088/CH0029)
Title
Abandoned Property in Possession of a Museum
Sponsor
Delegate Cardin
2 2
Bill/Chapter (Cross/Chapter)
HB0093 /CH0048 (SB0155/CH0049)
Title
Consumer Protection - Mobile Home Purchasers
Sponsor
Delegate Jackson, C.
2 2
Bill/Chapter (Cross/Chapter)
HB0186
Title
Higher Education - Nancy Grasmick Teacher Award - Eligibility
Sponsor
Delegate Rosenberg
2 2
Bill/Chapter (Cross/Chapter)
HB0231 /CH0116 (SB0530/CH0117)
Title
Housing Opportunities Made Equal Act
Sponsor
Delegate Lierman
2 2
Bill/Chapter (Cross/Chapter)
HB0314 /CH0163
Title
Real Property - Lien Priority of Refinance Mortgages - Exception for Government Junior Mortgages
Sponsor
Delegate Holmes
2 2
Bill/Chapter (Cross/Chapter)
HB0334 (SB0262)
Title
Maryland Collection Agency Licensing Act - Definitions and Legislative Intent
Sponsor
Speaker
6 2
Bill/Chapter (Cross/Chapter)
HB0343 (SB0270)
Title
Economic Development - Maryland Technology Infrastructure Program
Sponsor
Speaker
3 2
Bill/Chapter (Cross/Chapter)
HB0359 (SB0277)
Title
Clean Cars Act of 2020 – Extension, Funding, and Reporting
Sponsor
Speaker
3 2
Bill/Chapter (Cross/Chapter)
HB0469 (SB0446/CH0554)
Title
Institutions of Postsecondary Education - Disorderly School Closures
Sponsor
Delegate Hettleman
2 2
Bill/Chapter (Cross/Chapter)
HB0563
Title
Income Tax - Lead Remediation Credit
Sponsor
Delegate Mosby
2 2
Bill/Chapter (Cross/Chapter)
HB0593 (SB0294/CH0546)
Title
Higher Education - Annual Revenues of For-Profit Institutions - Limitation on Enrollment (Veterans' Education Protection Act)
Sponsor
Delegate Young, P.
2 2
Bill/Chapter (Cross/Chapter)
HB0655
Title
Commercial Law – Automobile Financing Charges – Required Dealer Disclosures
Sponsor
Delegate Queen
2 2
Bill/Chapter (Cross/Chapter)
HB0750
Title
Action to Collect a Private Education Loan - Prohibition
Sponsor
Delegate Lopez
2 2
Bill/Chapter (Cross/Chapter)
HB0853
Title
Local Government - Clean Energy Loan Programs - Grid Resilience Projects
Sponsor
Chair, Economic Matters Committee
5 2
Bill/Chapter (Cross/Chapter)
HB0998 /CH0402 (SB0501/CH0403)
Title
Maryland Loan Assistance Repayment Program for Physicians and Physician Assistants - Administration and Funding
Sponsor
Delegate Sample-Hughes
2 2
Bill/Chapter (Cross/Chapter)
HB1026 /CH0408
Title
Economic Development Programs - Data Collection, Tracking, and Reporting Requirements - Alteration
Sponsor
Delegate Palakovich Carr
2 2
Bill/Chapter (Cross/Chapter)
HB1051 (SB0910)
Title
Public Health - Solemn Covenant of the States to Award Prizes for Curing Diseases - Compact
Sponsor
Delegate Johnson
2 2
Bill/Chapter (Cross/Chapter)
HB1099 (SB0822)
Title
Housing and Community Development - Down Payment and Settlement Expense Loan Program - Homebuyer Education Requirements
Sponsor
Delegate Stein
2 2
Bill/Chapter (Cross/Chapter)
HB1104 (SB1074)
Title
Public Safety - Regulated Firearms - Transfer
Sponsor
Delegate Lopez
2 2
Bill/Chapter (Cross/Chapter)
HB1125 (SB0613)
Title
Public Financing Act – Candidate and Matching Fund Revisions (Maryland Fair Elections Act)
Sponsor
Delegate Feldmark
2 2
Bill/Chapter (Cross/Chapter)
HB1149 (SB1013)
Title
Department of Housing and Community Development - Social Housing Subprogram (Social Housing Act)
Sponsor
Delegate Stewart
2 2
Bill/Chapter (Cross/Chapter)
HB1239 (SB0602)
Title
Economic Development - Maryland Technology Partnership Program
Sponsor
Delegate Qi
2 2
Bill/Chapter (Cross/Chapter)
HB1249
Title
I-495 and I-270 Public-Private Partnership - Partnership Agreement - Requirements (Maryland State Department of Transportation Promises Act of 2020)
Sponsor
Delegate Korman
2 2
Bill/Chapter (Cross/Chapter)
HB1300 (SB1000)
Title
Blueprint for Maryland's Future - Implementation
Sponsor
Speaker
6 2
Bill/Chapter (Cross/Chapter)
HB1385
Title
Town of Mount Airy (Carroll County and Frederick County) - Urban Renewal Authority
Sponsor
Frederick County Delegation
4 2
Bill/Chapter (Cross/Chapter)
HB1403
Title
Financial Institutions - State Banks - Investing in For-Profit Correctional Facilities - Prohibited
Sponsor
Delegate Mosby
2 2
Bill/Chapter (Cross/Chapter)
HB1426 (SB0739)
Title
Economic Development - Advanced Clean Energy and Clean Energy Innovation Investments and Initiatives
Sponsor
Delegate Qi
2 2
Bill/Chapter (Cross/Chapter)
HB1455 (SB0826)
Title
Economic Development - Makerspace Initiative Pilot Program
Sponsor
Delegate McIntosh
2 2
Bill/Chapter (Cross/Chapter)
HB1562
Title
Action to Collect a Private Education Loan - Required Documents
Sponsor
Delegate Lopez
2 2
Bill/Chapter (Cross/Chapter)
SB0088 /CH0029 (HB0021/CH0028)
Title
Abandoned Property in Possession of a Museum
Sponsor
Senator Hayes
2 2
Bill/Chapter (Cross/Chapter)
SB0155 /CH0049 (HB0093/CH0048)
Title
Consumer Protection - Mobile Home Purchasers
Sponsor
Senator Augustine
2 2
Bill/Chapter (Cross/Chapter)
SB0208 (HB0004)
Title
Public Safety – Rifles and Shotguns – Sales, Rentals, and Transfers
Sponsor
Senator Lee
2 2
Bill/Chapter (Cross/Chapter)
SB0262 (HB0334)
Title
Maryland Collection Agency Licensing Act - Definitions and Legislative Intent
Sponsor
President
6 2
Bill/Chapter (Cross/Chapter)
SB0270 (HB0343)
Title
Economic Development - Maryland Technology Infrastructure Program
Sponsor
President
3 2
Bill/Chapter (Cross/Chapter)
SB0277 (HB0359)
Title
Clean Cars Act of 2020 - Extension, Funding, and Reporting
Sponsor
President
3 2
Bill/Chapter (Cross/Chapter)
SB0294 /CH0546 (HB0593)
Title
Higher Education - Annual Revenues of For-Profit Institutions - Limitation on Enrollment (Veterans' Education Protection Act)
Sponsor
Senator Ellis
2 2
Bill/Chapter (Cross/Chapter)
SB0413
Title
Income Tax Credit – Individuals Working in STEM Fields – Student Loan Payments
Sponsor
Senator Kramer
2 2
Bill/Chapter (Cross/Chapter)
SB0446 /CH0554 (HB0469)
Title
Institutions of Postsecondary Education – Disorderly School Closures
Sponsor
Senator Pinsky
2 2
Bill/Chapter (Cross/Chapter)
SB0501 /CH0403 (HB0998/CH0402)
Title
Maryland Loan Assistance Repayment Program for Physicians and Physician Assistants - Administration and Funding
Sponsor
Senator Griffith
2 2
Bill/Chapter (Cross/Chapter)
SB0530 /CH0117 (HB0231/CH0116)
Title
Housing Opportunities Made Equal Act
Sponsor
Senator Smith
2 2
Bill/Chapter (Cross/Chapter)
SB0602 (HB1239)
Title
Economic Development - Maryland Technology Partnership Program
Sponsor
Senator Feldman
2 2
Bill/Chapter (Cross/Chapter)
SB0613 (HB1125)
Title
Public Financing Act – Candidate and Matching Fund Revisions (Maryland Fair Elections Act)
Sponsor
Senator Pinsky
2 2
Bill/Chapter (Cross/Chapter)
SB0621
Title
Maryland Mortgage Lender Law - Considerations of a Mortgage Servicer - Borrower's Ability to Repay
Sponsor
Senator Rosapepe
2 2
Bill/Chapter (Cross/Chapter)
SB0671
Title
Bay Restoration Fund - Allocation of Fees, Authorized Uses, and County Authority to Incur Indebtedness
Sponsor
Senator West
2 2
Bill/Chapter (Cross/Chapter)
SB0722
Title
Clean Energy Loan Program - Environmental Remediation and Resiliency Projects
Sponsor
Senator Hester
2 2
Bill/Chapter (Cross/Chapter)
SB0739 (HB1426)
Title
Economic Development - Advanced Clean Energy and Clean Energy Innovation Investments and Initiatives
Sponsor
Senator Feldman
2 2
Bill/Chapter (Cross/Chapter)
SB0822 (HB1099)
Title
Housing and Community Development – Down Payment and Settlement Expense Loan Program – Homebuyer Education Requirements
Sponsor
Senator McCray
2 2
Bill/Chapter (Cross/Chapter)
SB0826 (HB1455)
Title
Economic Development - Makerspace Initiative Pilot Program
Sponsor
Senator McCray
2 2
Bill/Chapter (Cross/Chapter)
SB0910 (HB1051)
Title
Public Health - Solemn Covenant of the States to Award Prizes for Curing Diseases - Compact
Sponsor
Senator Lam
2 2
Bill/Chapter (Cross/Chapter)
SB1000 (HB1300)
Title
Blueprint for Maryland's Future - Implementation
Sponsor
President
6 2
Bill/Chapter (Cross/Chapter)
SB1013 (HB1149)
Title
Department of Housing and Community Development - Social Housing Subprogram (Social Housing Act)
Sponsor
Senator Carter
2 2
Bill/Chapter (Cross/Chapter)
SB1074 (HB1104)
Title
Public Safety - Regulated Firearms - Transfer
Sponsor
Senator Lee
2 2
Bill/Chapter
(Cross/Chapter)
Title Sponsor Sponsorship Type Sort Chamber Sort Current Status Org Committees & Hearings Opp Committees & Hearings
HB0004 (SB0208) Public Safety – Rifles and Shotguns – Sales, Rentals, and Transfers Delegate Atterbeary 2 2 Vetoed by the Governor (Policy)
Judiciary
1/15/2020 - 1:00 PM
Judicial Proceedings
HB0021 /CH0028 (SB0088/CH0029) Abandoned Property in Possession of a Museum Delegate Cardin 2 2 Enacted under Article II, Section 17(c) of the Maryland Constitution - Chapter 28
Economic Matters
2/12/2020 - 1:00 PM
Judicial Proceedings
HB0093 /CH0048 (SB0155/CH0049) Consumer Protection - Mobile Home Purchasers Delegate Jackson, C. 2 2 Enacted under Article II, Section 17(c) of the Maryland Constitution - Chapter 48
Economic Matters
2/12/2020 - 1:00 PM
Finance
HB0186 Higher Education - Nancy Grasmick Teacher Award - Eligibility Delegate Rosenberg 2 2 In the House - Withdrawn by Sponsor
Appropriations
2/04/2020 - 1:00 PM
HB0231 /CH0116 (SB0530/CH0117) Housing Opportunities Made Equal Act Delegate Lierman 2 2 Enacted under Article II, Section 17(c) of the Maryland Constitution - Chapter 116
Environment and Transportation
2/04/2020 - 1:00 PM
Judicial Proceedings
HB0314 /CH0163 Real Property - Lien Priority of Refinance Mortgages - Exception for Government Junior Mortgages Delegate Holmes 2 2 Enacted under Article II, Section 17(c) of the Maryland Constitution - Chapter 163
Environment and Transportation
2/11/2020 - 1:00 PM
Judicial Proceedings
HB0334 (SB0262) Maryland Collection Agency Licensing Act - Definitions and Legislative Intent Speaker 6 2 In the House - Unfavorable Report by Economic Matters
Economic Matters
2/11/2020 - 1:00 PM
HB0343 (SB0270) Economic Development - Maryland Technology Infrastructure Program Speaker 3 2 In the House - Hearing 2/28 at 1:00 p.m.
Ways and Means
2/28/2020 - 1:00 PM
HB0359 (SB0277) Clean Cars Act of 2020 – Extension, Funding, and Reporting Speaker 3 2 In the House - Hearing 2/13 at 1:00 p.m.
Environment and Transportation
2/13/2020 - 1:00 PM
HB0469 (SB0446/CH0554) Institutions of Postsecondary Education - Disorderly School Closures Delegate Hettleman 2 2 In the House - Hearing 2/18 at 1:00 p.m.
Appropriations
2/18/2020 - 1:00 PM
HB0563 Income Tax - Lead Remediation Credit Delegate Mosby 2 2 In the House - Hearing 2/12 at 1:00 p.m.
Ways and Means
2/12/2020 - 1:00 PM
HB0593 (SB0294/CH0546) Higher Education - Annual Revenues of For-Profit Institutions - Limitation on Enrollment (Veterans' Education Protection Act) Delegate Young, P. 2 2 In the House - Hearing 2/04 at 1:00 p.m.
Appropriations
2/04/2020 - 1:00 PM
HB0655 Commercial Law – Automobile Financing Charges – Required Dealer Disclosures Delegate Queen 2 2 In the House - Special Order until 3/18 (Delegate Dumais) Adopted
Economic Matters
3/04/2020 - 1:00 PM
HB0750 Action to Collect a Private Education Loan - Prohibition Delegate Lopez 2 2 In the House - Withdrawn by Sponsor
Economic Matters
HB0853 Local Government - Clean Energy Loan Programs - Grid Resilience Projects Chair, Economic Matters Committee 5 2 In the Senate - First Reading Senate Rules
Economic Matters
2/28/2020 - 1:00 PM
Rules
HB0998 /CH0402 (SB0501/CH0403) Maryland Loan Assistance Repayment Program for Physicians and Physician Assistants - Administration and Funding Delegate Sample-Hughes 2 2 Enacted under Article II, Section 17(c) of the Maryland Constitution - Chapter 402
Appropriations
2/25/2020 - 1:00 PM
Education, Health, and Environmental Affairs
Budget and Taxation
HB1026 /CH0408 Economic Development Programs - Data Collection, Tracking, and Reporting Requirements - Alteration Delegate Palakovich Carr 2 2 Enacted under Article II, Section 17(c) of the Maryland Constitution - Chapter 408
Ways and Means
2/25/2020 - 1:00 PM
Finance
3/17/2020 - 1:00 PM
HB1051 (SB0910) Public Health - Solemn Covenant of the States to Award Prizes for Curing Diseases - Compact Delegate Johnson 2 2 In the House - Hearing 3/02 at 1:00 p.m.
Health and Government Operations
3/02/2020 - 1:00 PM
HB1099 (SB0822) Housing and Community Development - Down Payment and Settlement Expense Loan Program - Homebuyer Education Requirements Delegate Stein 2 2 In the House - Hearing 2/25 at 1:00 p.m.
Environment and Transportation
2/25/2020 - 1:00 PM
HB1104 (SB1074) Public Safety - Regulated Firearms - Transfer Delegate Lopez 2 2 In the House - Hearing 3/04 at 1:00 p.m.
Judiciary
3/04/2020 - 1:00 PM
HB1125 (SB0613) Public Financing Act – Candidate and Matching Fund Revisions (Maryland Fair Elections Act) Delegate Feldmark 2 2 In the House - Hearing 2/27 at 1:00 p.m.
Ways and Means
2/27/2020 - 1:00 PM
HB1149 (SB1013) Department of Housing and Community Development - Social Housing Subprogram (Social Housing Act) Delegate Stewart 2 2 In the House - Hearing 2/28 at 1:00 p.m. (Environment and Transportation)
Environment and Transportation
2/28/2020 - 1:00 PM
Ways and Means
HB1239 (SB0602) Economic Development - Maryland Technology Partnership Program Delegate Qi 2 2 In the House - Hearing 2/28 at 1:00 p.m.
Ways and Means
2/28/2020 - 1:00 PM
HB1249 I-495 and I-270 Public-Private Partnership - Partnership Agreement - Requirements (Maryland State Department of Transportation Promises Act of 2020) Delegate Korman 2 2 In the House - Third Reading Passed (97-36)
Environment and Transportation
3/05/2020 - 1:00 PM
Appropriations
HB1300 (SB1000) Blueprint for Maryland's Future - Implementation Speaker 6 2 Vetoed by the Governor (Policy)
Appropriations
2/17/2020 - 12:00 PM
Ways and Means
2/17/2020 - 12:00 PM
Education, Health, and Environmental Affairs
Budget and Taxation
HB1385 Town of Mount Airy (Carroll County and Frederick County) - Urban Renewal Authority Frederick County Delegation 4 2 In the Senate - First Reading Education, Health, and Environmental Affairs
Environment and Transportation
3/10/2020 - 1:00 PM
Education, Health, and Environmental Affairs
HB1403 Financial Institutions - State Banks - Investing in For-Profit Correctional Facilities - Prohibited Delegate Mosby 2 2 In the House - Unfavorable Report by Economic Matters
Economic Matters
3/06/2020 - 1:00 PM
HB1426 (SB0739) Economic Development - Advanced Clean Energy and Clean Energy Innovation Investments and Initiatives Delegate Qi 2 2 In the House - Hearing 3/09 at 1:00 p.m.
Economic Matters
3/09/2020 - 1:00 PM
HB1455 (SB0826) Economic Development - Makerspace Initiative Pilot Program Delegate McIntosh 2 2 In the Senate - First Reading Finance and Budget and Taxation
Ways and Means
2/28/2020 - 1:00 PM
Finance
Budget and Taxation
HB1562 Action to Collect a Private Education Loan - Required Documents Delegate Lopez 2 2 In the House - Hearing 3/04 at 1:00 p.m.
Economic Matters
3/04/2020 - 1:00 PM
SB0088 /CH0029 (HB0021/CH0028) Abandoned Property in Possession of a Museum Senator Hayes 2 2 Enacted under Article II, Section 17(c) of the Maryland Constitution - Chapter 29
Judicial Proceedings
1/09/2020 - 2:15 PM
Economic Matters
SB0155 /CH0049 (HB0093/CH0048) Consumer Protection - Mobile Home Purchasers Senator Augustine 2 2 Enacted under Article II, Section 17(c) of the Maryland Constitution - Chapter 49
Finance
2/05/2020 - 2:00 PM
Economic Matters
SB0208 (HB0004) Public Safety – Rifles and Shotguns – Sales, Rentals, and Transfers Senator Lee 2 2 Vetoed by the Governor (Policy)
Judicial Proceedings
2/05/2020 - 2:00 PM
Judiciary
SB0262 (HB0334) Maryland Collection Agency Licensing Act - Definitions and Legislative Intent President 6 2 In the Senate - Hearing 2/11 at 1:00 p.m.
Finance
2/11/2020 - 1:00 PM
SB0270 (HB0343) Economic Development - Maryland Technology Infrastructure Program President 3 2 In the Senate - Hearing 3/03 at 1:00 p.m.
Finance
3/03/2020 - 1:00 PM
SB0277 (HB0359) Clean Cars Act of 2020 - Extension, Funding, and Reporting President 3 2 In the Senate - Hearing 2/11 at 1:00 p.m.
Finance
2/11/2020 - 1:00 PM
SB0294 /CH0546 (HB0593) Higher Education - Annual Revenues of For-Profit Institutions - Limitation on Enrollment (Veterans' Education Protection Act) Senator Ellis 2 2 Enacted under Article II, Section 17(c) of the Maryland Constitution - Chapter 546
Education, Health, and Environmental Affairs
2/04/2020 - 1:00 PM
Appropriations
SB0413 Income Tax Credit – Individuals Working in STEM Fields – Student Loan Payments Senator Kramer 2 2 In the Senate - Hearing 2/12 at 1:00 p.m.
Budget and Taxation
2/12/2020 - 1:00 PM
SB0446 /CH0554 (HB0469) Institutions of Postsecondary Education – Disorderly School Closures Senator Pinsky 2 2 Enacted under Article II, Section 17(c) of the Maryland Constitution - Chapter 554
Education, Health, and Environmental Affairs
2/12/2020 - 1:00 PM
Appropriations
SB0501 /CH0403 (HB0998/CH0402) Maryland Loan Assistance Repayment Program for Physicians and Physician Assistants - Administration and Funding Senator Griffith 2 2 Enacted under Article II, Section 17(c) of the Maryland Constitution - Chapter 403
Education, Health, and Environmental Affairs
2/13/2020 - 1:00 PM
Budget and Taxation
Appropriations
SB0530 /CH0117 (HB0231/CH0116) Housing Opportunities Made Equal Act Senator Smith 2 2 Enacted under Article II, Section 17(c) of the Maryland Constitution - Chapter 117
Judicial Proceedings
2/04/2020 - 1:00 PM
Environment and Transportation
SB0602 (HB1239) Economic Development - Maryland Technology Partnership Program Senator Feldman 2 2 In the Senate - Hearing 3/03 at 1:00 p.m.
Finance
3/03/2020 - 1:00 PM
SB0613 (HB1125) Public Financing Act – Candidate and Matching Fund Revisions (Maryland Fair Elections Act) Senator Pinsky 2 2 In the Senate - Favorable with Amendments Report by Education, Health, and Environmental Affairs
Education, Health, and Environmental Affairs
2/20/2020 - 1:00 PM
Budget and Taxation
SB0621 Maryland Mortgage Lender Law - Considerations of a Mortgage Servicer - Borrower's Ability to Repay Senator Rosapepe 2 2 In the Senate - Hearing 3/10 at 1:00 p.m.
Finance
3/10/2020 - 1:00 PM
SB0671 Bay Restoration Fund - Allocation of Fees, Authorized Uses, and County Authority to Incur Indebtedness Senator West 2 2 In the Senate - Hearing 2/19 at 1:00 p.m. (Education, Health, and Environmental Affairs)
Education, Health, and Environmental Affairs
2/19/2020 - 1:00 PM
Budget and Taxation
SB0722 Clean Energy Loan Program - Environmental Remediation and Resiliency Projects Senator Hester 2 2 In the House - First Reading Economic Matters
Education, Health, and Environmental Affairs
2/19/2020 - 1:00 PM
Economic Matters
SB0739 (HB1426) Economic Development - Advanced Clean Energy and Clean Energy Innovation Investments and Initiatives Senator Feldman 2 2 In the Senate - Hearing 3/03 at 1:00 p.m. (Finance)
Finance
3/03/2020 - 1:00 PM
Budget and Taxation
SB0822 (HB1099) Housing and Community Development – Down Payment and Settlement Expense Loan Program – Homebuyer Education Requirements Senator McCray 2 2 In the Senate - Hearing 2/27 at 1:00 p.m.
Education, Health, and Environmental Affairs
2/27/2020 - 1:00 PM
SB0826 (HB1455) Economic Development - Makerspace Initiative Pilot Program Senator McCray 2 2 In the Senate - Hearing 3/03 at 1:00 p.m. (Finance)
Finance
3/03/2020 - 1:00 PM
Budget and Taxation
SB0910 (HB1051) Public Health - Solemn Covenant of the States to Award Prizes for Curing Diseases - Compact Senator Lam 2 2 In the Senate - Hearing 3/12 at 1:00 p.m. (Education, Health, and Environmental Affairs)
Education, Health, and Environmental Affairs
3/12/2020 - 1:00 PM
Budget and Taxation
SB1000 (HB1300) Blueprint for Maryland's Future - Implementation President 6 2 In the Senate - Hearing 2/17 at 12:00 p.m. (Education, Health, and Environmental Affairs)
Education, Health, and Environmental Affairs
2/17/2020 - 12:00 PM
Budget and Taxation
SB1013 (HB1149) Department of Housing and Community Development - Social Housing Subprogram (Social Housing Act) Senator Carter 2 2 In the Senate - First Reading Senate Rules
Rules
SB1074 (HB1104) Public Safety - Regulated Firearms - Transfer Senator Lee 2 2 In the Senate - First Reading Senate Rules
Rules
Denotes enacted legislation
Last Updated: 7/16/2020 1:41 PM
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