---
type: "Bill"
title: "Financial Institutions - Consumer Credit - Application of Licensing Requirements"
description: "Financial Institutions - Consumer Credit - Application of Licensing Requirements"
jurisdiction: "us/states/md"
legislature: "Maryland General Assembly"
session: "2026"
identifier: "SB 784"
citation: "Maryland SB 784 (2026)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Jackson"]
version_count: 3
action_count: 13
vote_count: 2
first_action: "2026-02-06"
last_action: "2026-04-14"
source: "openstates"
source_identifier: "ocd-bill/a6d4673c-d3ec-4d73-99df-25a683be9958"
source_url: "http://mgaleg.maryland.gov/mgawebsite/Legislation/Details/sb0784?ys=2026RS"
source_hash: "74e45eddeb981e8b818083a3190812a60ff55dfe9f98c2a4f180663041a0e22d"
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 784 (2026) — Financial Institutions - Consumer Credit - Application of Licensing Requirements

## Version chain

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

1. **Chapter - Financial Institutions - Consumer Credit - Application of Licensing Requirements** (committee substitute) — [source](http://mgaleg.maryland.gov/2026RS/Chapters_noln/CH_40_sb0784t.pdf)
2. **First - Financial Institutions - Consumer Credit - Application of Licensing Requirements** (committee substitute) — [source](http://mgaleg.maryland.gov/2026RS/bills/sb/sb0784f.pdf)
3. **Third - Financial Institutions - Consumer Credit - Application of Licensing Requirements** (committee substitute) — [source](http://mgaleg.maryland.gov/2026RS/bills/sb/sb0784t.pdf)

## Votes

- On Third Reading — **131–1** (pass) · lower
- On Third Reading — **45–0** (pass) · upper

## Sponsors

- Jackson — primary (person)

## Timeline

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

- **2026-02-06** First Reading Finance `referral-committee`
- **2026-02-11** Hearing 2/26 at 1:00 p.m.
- **2026-03-09** Favorable Report by Finance `committee-passage-favorable`
- **2026-03-10** Favorable Adopted `committee-passage-favorable`
- **2026-03-10** Second Reading Passed
- **2026-03-12** Third Reading Passed `passage`
- **2026-03-13** Referred Economic Matters `referral-committee`
- **2026-03-16** Hearing 3/24 at 1:00 p.m.
- **2026-04-01** Favorable Report by Economic Matters `committee-passage-favorable`
- **2026-04-01** Favorable Adopted Second Reading Passed `committee-passage-favorable`
- **2026-04-02** Third Reading Passed `passage`
- **2026-04-03** Returned Passed
- **2026-04-14** Approved by the Governor - Chapter 40 `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/a6d4673c-d3ec-4d73-99df-25a683be9958`. Confidence: reported (aggregated from official Maryland legislature records).