---
type: "Bill"
title: "Credit Regulation - Closed End Credit Loans - Elimination of Duplicative Disclosures"
description: "Credit Regulation - Closed End Credit Loans - Elimination of Duplicative Disclosures"
jurisdiction: "us/states/md"
legislature: "Maryland General Assembly"
session: "2017"
identifier: "SB 392"
citation: "Maryland SB 392 (2017)"
classification: ["bill"]
subjects: ["Commercial Law - Credit Regulation", "Credit", "Deeds", "Disclosure", "Federal Government", "Financial Institutions", "Financial Regulation", "Division of", "Loans", "Mortgages", "Notices", "Real Property", "Residency"]
status: "enacted"
primary_sponsors: ["Hershey"]
version_count: 1
action_count: 14
vote_count: 2
first_action: "2017-01-26"
last_action: "2017-05-04"
source: "openstates"
source_identifier: "ocd-bill/f7b82976-c6f3-4ccb-b71d-019d7f06ba51"
source_url: "http://mgaleg.maryland.gov/webmga/frmMain.aspx?id=SB392&stab=01&pid=billpage&tab=subject3&ys=2017rs"
source_hash: "a802d0bb271b3a3e65f4179d0b5824334828f50758872002030f1034613aebcc"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-md"]
---

# Maryland SB 392 (2017) — Credit Regulation - Closed End Credit Loans - Elimination of Duplicative Disclosures

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Bill Text** (committee substitute) — [source](http://mgaleg.maryland.gov/2017RS/bills/sb/sb0392f.pdf)

## Votes

- Third Reading — **45–0** (pass) · legislature
- Third Reading — **136–2** (pass) · legislature

## Sponsors

- Hershey — primary (person)
- Astle — cosponsor (person)
- Benson — cosponsor (person)
- Feldman — cosponsor (person)
- Jennings — cosponsor (person)
- Klausmeier — cosponsor (person)
- Mathias — cosponsor (person)
- Middleton — cosponsor (person)
- Oaks — cosponsor (person)
- Reilly — cosponsor (person)
- Rosapepe — cosponsor (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2017-01-26** First Reading Finance `referral-committee`
- **2017-01-26** Hearing 2/09 at 1:00 p.m.
- **2017-02-27** Favorable with Amendments Report by Finance `committee-passage-favorable`
- **2017-02-28** Favorable with Amendments {937378/1 Report Adopted `committee-passage-favorable`
- **2017-02-28** Second Reading Passed with Amendments
- **2017-03-02** Third Reading Passed (45-0) `passage`
- **2017-03-03** First Reading Economic Matters `referral-committee`
- **2017-03-15** Hearing 3/22 at 1:00 p.m.
- **2017-04-04** Favorable Report by Economic Matters `committee-passage-favorable`
- **2017-04-04** Favorable Report Adopted `committee-passage-favorable`
- **2017-04-04** Second Reading Passed
- **2017-04-05** Third Reading Passed (136-2) `passage`
- **2017-04-06** Returned Passed
- **2017-05-04** Approved by the Governor - Chapter 484 `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/f7b82976-c6f3-4ccb-b71d-019d7f06ba51`. Confidence: reported (aggregated from official Maryland legislature records).