---
type: "Bill"
title: "Debt Settlement Services – Student Education Loan Debt Relief – Disclosures and Prohibitions"
description: "Debt Settlement Services – Student Education Loan Debt Relief – Disclosures and Prohibitions"
jurisdiction: "us/states/md"
legislature: "Maryland General Assembly"
session: "2022"
identifier: "HB 128"
citation: "Maryland HB 128 (2022)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Lopez"]
version_count: 3
action_count: 15
vote_count: 2
first_action: "2021-09-29"
last_action: "2022-05-29"
source: "openstates"
source_identifier: "ocd-bill/c99b4100-18bb-4e95-b926-0cae26aef8a8"
source_url: "http://mgaleg.maryland.gov/mgawebsite/Legislation/Details/hb0128?ys=2022RS&search=True"
source_hash: "e220a92f3e2531f0896c48ec0c19b4bb23078d360473c69c6a9fb867270e469e"
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 128 (2022) — Debt Settlement Services – Student Education Loan Debt Relief – Disclosures and Prohibitions

## Version chain

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

1. **Chapter - Debt Settlement Services – Student Education Loan Debt Relief – Disclosures and Prohibitions** (committee substitute) — [source](http://mgaleg.maryland.gov/2022RS/Chapters_noln/CH_618_hb0128t.pdf)
2. **First - Debt Settlement Services – Student Education Loan Debt Relief – Disclosures and Prohibitions** (committee substitute) — [source](http://mgaleg.maryland.gov/2022RS/bills/hb/hb0128f.pdf)
3. **Third - Debt Settlement Services – Student Education Loan Debt Relief – Disclosures and Prohibitions** (committee substitute) — [source](http://mgaleg.maryland.gov/2022RS/bills/hb/hb0128t.pdf)

## Votes

- On Third Reading — **99–26** (pass) · lower
- On Third Reading — **33–13** (pass) · upper

## Sponsors

- Lopez — primary (person)

## Timeline

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

- **2021-09-29** Pre-filed `introduction`
- **2022-01-12** First Reading Economic Matters and Appropriations `referral-committee`
- **2022-01-13** Hearing 1/26 at 1:00 p.m. (Economic Matters)
- **2022-03-01** Favorable with Amendments Report by Economic Matters `committee-passage-favorable`
- **2022-03-02** Favorable with Amendments { `committee-passage-favorable`
- **2022-03-02** Second Reading Passed with Amendments
- **2022-03-04** Third Reading Passed `passage`
- **2022-03-07** Referred Finance `referral-committee`
- **2022-03-18** Hearing 3/24 at 1:00 p.m.
- **2022-04-04** Favorable Report by Finance `committee-passage-favorable`
- **2022-04-05** Favorable Adopted `committee-passage-favorable`
- **2022-04-05** Second Reading Passed
- **2022-04-06** Third Reading Passed `passage`
- **2022-04-07** Returned Passed
- **2022-05-29** Enacted under Article II, Section 17(c) of the Maryland Constitution - Chapter 618 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/c99b4100-18bb-4e95-b926-0cae26aef8a8`. Confidence: reported (aggregated from official Maryland legislature records).