# Courts and Judicial Proceedings (GCJ)

## Title 5. Limitations, Prohibited Actions, and Immunities

### Subtitle 1. Limitations

#### Section 5-121

(a)

  (1) In this section the following words have the meaning indicated.

  (2) "Homeowner" means:

    (i) A record owner of residential property that is owner-occupied at the time the alleged violation of Sec. 13-301 of the Commercial Law Article or other State law occurred; or

    (ii) An individual who occupies residential property under a use and possession order issued under Title 8, Subtitle 2 of the Family Law Article.

  (3) "Mortgage servicer" has the meaning stated in Sec. 11-501 of the Financial Institutions Article.

  (4) "Residential property" has the meaning stated in Sec. 7-105.1 of the Real Property Article.

  (5) "Unfair, abusive, or deceptive trade practice" has the meaning stated in Sec. 13-301 of the Commercial Law Article.

(b) This section applies only to claims relating to residential property.

(c) An action filed by a homeowner against a mortgage servicer for damages arising out of an unfair, abusive, or deceptive trade practice shall be filed within the earlier of:

  (1) 5 years after a foreclosure sale of the residential property; or

  (2) If the mortgage servicer discloses its unfair, abusive, or deceptive trade practice to the homeowner, 3 years after the disclosure to the homeowner.

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Md. Code Ann., Cts. & Jud. Proc. (as displayed at mgaleg.maryland.gov, October 16, 2026)