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2018 Regular Session



Financial Consumer Protection Act of 2018

Sponsored by:

Delegate Frick


In the House - Hearing 2/16 at 1:00 p.m.

Synopsis:Providing that certain loans are void and unenforceable under certain circumstances; prohibiting a consumer reporting agency from charging a fee for any service relating to a security freeze; requiring the Governor to appropriate certain amounts in the annual State budget for the Commissioner of Financial Regulation and the Office of the Attorney General; prohibiting a person from engaging in student education loan servicing unless the person is licensed by the Commissioner or is exempt from licensing; etc.
Analysis:Fiscal and Policy Note
All Sponsors:Delegates Frick, Aumann, Barkley, Barve, Carr, Gaines, Healey, Hettleman, Jones, Lierman, Pendergrass, Reznik, Stein, Turner, K. Young, and P. Young
Additional Facts:Cross-filed with: SB1068
Bill File Type: Regular
Effective Date(s): October 1, 2018
Bill imposes a mandated appropriation in the annual State Budget Bill
Economic Matters  View Committee Hearing
Broad Subject(s):Commercial Law - Consumer Protection
Commercial Law - Credit Regulation
Higher Education
Narrow Subject(s):Accountants
Administrative Agencies -see also- Electronic Government
Agents and Brokers
Attorney General
Budgets -see also- Capital Budgets
Civil Actions -see also- Small Claims
Committees and Commissions -see also- Political Committees
Consumer Protection -see also- Unfair Trade Practices
Contracts -see also- Land Installment Contracts; Procurement
Corporations -see also- Municipal Corps; Public Corps & Inst
Court of Appeals
Criminal Background Investigations
Education -see also- Driver Ed; Higher Ed; Special Ed; etc
Electronic Communication -see also- Comm; Elec.Gov; Lang; Te
Fees -see also- Attys' Fees; Devt Fees & Taxes; Reimb Rates
Financial Institutions -see also- Banks; Credit Unions; etc.
Financial Regulation, Division of
Fraud -see also- Forgery
Higher Education -see also- Comm Colleges; Med Schools; etc.
Investigations and Inquiries -see also- Crim Bckgrnd Invest
Labor, Licensing, and Regulation, Department of
Liability -see also- Good Samaritan
Licenses -see also- Alcoholic Bev Lic; Drivers' Licenses
Loans -see also- Mortgages
Notaries Public
Penalties and Sentences -see also- Death Penalty
Postal Service
Prices -see also- Consumer Price Index
Public Officials -see also- Atty Gen; Compt; Coun Admin; etc
Safety -see also- Cybersecurity; Occupational Safety
Salaries and Compensation -see also- Overtime; Reimb. Rates
Scholarships and Student Financial Aid
Work, Labor and Employment -see also- Col Barg; Holiday; etc
Statutes:Article - Commercial Law
(12-101, 12-111, 12-112, 12-114, 12-303, 12-311, 12-314, 12-601, 13-101, 13-301, 13-303, 13-410, 14-1206, 14-1208, 14-1212.1, 14-1212.2, 14-1212.3, 14-1218, 14-202, 12-114.1, 14-4101 through 14-4104)
Article - Corporations and Associations
Article - Courts and Judicial Proceedings
Article - Financial Institutions
(11-303, 11-601, 11-602, 11-615, 12-105, 12-126, 12-906, 12-928, 2-105.1, 12-1101 through 12-1119, 2-104.1)

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February 19, 2018 9:53 A.M.