Consumer credit law reference
Maryland Credit Dispute Laws
Maryland has one of the strictest CSO statutes: mandatory licensing, no advance fees, and a $100,000 bond, plus felony liability for willful violations.
Primary state statute
Maryland Credit Services Businesses Act
Md. Code Ann., Com. Law § 14-1901 et seq.
Regulator: Maryland Department of Labor — Office of the Commissioner of Financial Regulation
What Maryland adds on top of the federal FCRA
- •Mandatory state licensing
- •$100,000 bond
- •No advance fees
- •Felony liability for willful violations
- •Private right of action
Dispute inaccurate items on your Maryland credit report
Vindex Intelligence drafts FCRA-cited dispute letters for Maryland residents in minutes, tracks the 30-day bureau reinvestigation window, and escalates unresolved items to the CFPB.
Neighboring states
View all 50 statesThis page is general legal information, not legal advice. Statute numbers are current as of 2026 — verify before litigating. For legal advice specific to your situation, consult a licensed attorney in Maryland.