# Commercial Law (GCL)

## Title 15. Debt Collection -- Special Provisions

### Subtitle 7. Offsets

#### Section 15-702

For the purposes of this article, a bank or financial institution may not offset any property in its possession or money from a customer's savings or checking account for the settlement of a delinquent consumer debt unless:

(1) The offset is authorized in writing by the customer; or

(2) A court order is obtained to permit the offset.

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Md. Code Ann., Com. Law (as displayed at mgaleg.maryland.gov, October 16, 2026)