---
type: "Bill"
title: "Commercial Law – Credit Card Processors – Merchant Processing Agreements"
description: "Commercial Law – Credit Card Processors – Merchant Processing Agreements"
jurisdiction: "us/states/md"
legislature: "Maryland General Assembly"
session: "2019"
identifier: "HB 777"
citation: "Maryland HB 777 (2019)"
classification: ["bill"]
subjects: ["Commercial Law - Credit Regulation", "Commerce and Business", "Contracts", "Credit", "Disclosure", "Electronic Commerce", "Electronic Communication", "Fees", "Finance Companies", "Financial Regulation", "Division of", "Fines", "Interest", "Notices", "Penalties and Sentences", "Signatures", "Small Business"]
status: "enacted"
primary_sponsors: ["Howard"]
version_count: 1
action_count: 16
vote_count: 3
first_action: "2019-02-08"
last_action: "2019-04-30"
source: "openstates"
source_identifier: "ocd-bill/dcdbcd49-27cb-40a0-94cf-473876bf0db9"
source_url: "http://mgaleg.maryland.gov/webmga/frmMain.aspx?id=HB777&stab=01&pid=billpage&tab=subject3&ys=2019rs"
source_hash: "7c53a88bb5294389e405f03b1e11ff06187e6724fa538f291a77c9d34301bf2b"
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 777 (2019) — Commercial Law – Credit Card Processors – Merchant Processing Agreements

## 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/2019RS/bills/hb/hb0777f.pdf)

## Votes

- On Third Reading — **138–0** (pass) · lower
- On Third Reading and Final Passage (Hse concurred) — **136–0** (pass) · lower
- On Third Reading — **47–0** (pass) · upper

## Sponsors

- Howard — primary (person)
- Beitzel — cosponsor (person)
- Boteler — cosponsor (person)
- Branch — cosponsor (person)
- Buckel — cosponsor (person)
- Carey — cosponsor (person)
- Charkoudian — cosponsor (person)
- Chisholm — cosponsor (person)
- Ciliberti — cosponsor (person)
- Corderman — cosponsor (person)
- Fennell — cosponsor (person)
- Hill — cosponsor (person)
- Lisanti — cosponsor (person)
- Malone — cosponsor (person)
- McComas — cosponsor (person)
- McKay — cosponsor (person)
- Qi — cosponsor (person)
- R. Lewis — cosponsor (person)
- Rose — cosponsor (person)
- Saab — cosponsor (person)
- Valderrama — cosponsor (person)
- Wilson — cosponsor (person)

## Timeline

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

- **2019-02-08** First Reading Economic Matters `referral-committee`
- **2019-02-11** Hearing 2/20 at 1:00 p.m.
- **2019-03-14** Favorable with Amendments Report by Economic Matters `committee-passage-favorable`
- **2019-03-14** Favorable with Amendments {953299/1 Report Adopted `committee-passage-favorable`
- **2019-03-14** Second Reading Passed with Amendments
- **2019-03-15** Third Reading Passed (138-0) `passage`
- **2019-03-18** First Reading Finance `referral-committee`
- **2019-03-25** Favorable Report by Finance `committee-passage-favorable`
- **2019-03-27** Favorable Report Adopted `committee-passage-favorable`
- **2019-03-27** Floor Amendment {893522/1 (Senator Kramer) Adopted `amendment-passage`
- **2019-03-27** Second Reading Passed with Amendments
- **2019-03-28** Third Reading Passed with Amendments (47-0) `passage`
- **2019-04-01** House Concur - Senate Amendments
- **2019-04-01** Third Reading Passed (136-0) `passage`
- **2019-04-01** Passed Enrolled
- **2019-04-30** Approved by the Governor - Chapter 296 `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/dcdbcd49-27cb-40a0-94cf-473876bf0db9`. Confidence: reported (aggregated from official Maryland legislature records).