---
type: "Bill"
title: "Financial Institutions - Determination of Creditworthiness - Evaluation Rules and Alternative Methods"
description: "Financial Institutions - Determination of Creditworthiness - Evaluation Rules and Alternative Methods"
jurisdiction: "us/states/md"
legislature: "Maryland General Assembly"
session: "2021"
identifier: "HB 1213"
citation: "Maryland HB 1213 (2021)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Queen"]
version_count: 3
action_count: 14
vote_count: 2
first_action: "2021-02-08"
last_action: "2021-05-30"
source: "openstates"
source_identifier: "ocd-bill/5ef9136c-5351-4085-8b4f-496af3887454"
source_url: "http://mgaleg.maryland.gov/mgawebsite/Legislation/Details/hb1213?ys=2021RS&search=True"
source_hash: "5c229fbb1e10041eb5dff8fd715bc0d86a3c8793a6d742d3e305a9782c006e26"
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 HB 1213 (2021) — Financial Institutions - Determination of Creditworthiness - Evaluation Rules and Alternative Methods

## Version chain

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

1. **Chapter - Financial Institutions - Determination of Creditworthiness - Evaluation Rules and Alternative Methods** (committee substitute) — [source](http://mgaleg.maryland.gov/2021RS/Chapters_noln/CH_426_hb1213t.pdf)
2. **First - Financial Institutions - Determination of Creditworthiness - Alternative Methods** (committee substitute) — [source](http://mgaleg.maryland.gov/2021RS/bills/hb/hb1213f.pdf)
3. **Third - Financial Institutions - Determination of Creditworthiness - Evaluation Rules and Alternative Methods** (committee substitute) — [source](http://mgaleg.maryland.gov/2021RS/bills/hb/hb1213t.pdf)

## Votes

- On Third Reading — **100–37** (pass) · lower
- On Third Reading — **47–0** (pass) · upper

## Sponsors

- Queen — primary (person)

## Timeline

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

- **2021-02-08** First Reading Economic Matters `referral-committee`
- **2021-02-09** Hearing 2/24 at 1:30 p.m.
- **2021-03-17** Favorable with Amendments Report by Economic Matters `committee-passage-favorable`
- **2021-03-17** Favorable with Amendments { `committee-passage-favorable`
- **2021-03-17** Second Reading Passed with Amendments
- **2021-03-18** Third Reading Passed `passage`
- **2021-03-19** Referred Finance `referral-committee`
- **2021-03-23** Hearing 3/30 at 1:00 p.m.
- **2021-04-02** Favorable Report by Finance `committee-passage-favorable`
- **2021-04-06** Favorable Adopted `committee-passage-favorable`
- **2021-04-06** Second Reading Passed
- **2021-04-08** Third Reading Passed `passage`
- **2021-04-08** Returned Passed
- **2021-05-30** Enacted under Article II, Section 17(c) of the Maryland Constitution - Chapter 426 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/5ef9136c-5351-4085-8b4f-496af3887454`. Confidence: reported (aggregated from official Maryland legislature records).