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<section article="grp" article_name="Real Property" number="7-105.5" title_number="7" title_name="Mortgages, Deeds of Trust, and Vendor's Liens" subtitle_number="1" subtitle_name="Mortgages and Deeds of Trust">
  <level label="a">
    <text>In this section, “holder of a subordinate interest” includes any condominium council of unit owners or homeowners association that has filed a request for notice of sale under subsection (c) of this section.</text>
  </level>
  <level label="b">
    <text>The person authorized to make a sale in an action to foreclose a mortgage or deed of trust shall give written notice of any proposed foreclosure sale to the holder of any subordinate mortgage, deed of trust, or other subordinate interest, including a judgment, in accordance with § 7–105.4 of this subtitle and the requirements of Maryland Rule 14–210.</text>
  </level>
  <level label="c">
    <level label="1">
      <text>The land records office of each county shall maintain a current listing of recorded requests for notice of sale by holders of subordinate mortgages, deeds of trust, or other subordinate interests.</text>
    </level>
    <level label="2">
      <text>The holder of a subordinate mortgage, deed of trust, or other subordinate interest may file a request for notice under this subsection.</text>
    </level>
    <level label="3">
      <text>Each request for notice of sale shall:</text>
      <level label="i">
        <text>Be recorded in a separate paper or electronic index which shall be indexed under the name of the holder of the superior mortgage or deed of trust and under the book and page numbers where the superior mortgage or deed of trust is recorded;</text>
      </level>
      <level label="ii">
        <text>Identify the property in which the subordinate interest is held;</text>
      </level>
      <level label="iii">
        <text>State the name and address of the holder of the subordinate interest; and</text>
      </level>
      <level label="iv">
        <text>Identify the superior mortgage or deed of trust by stating:</text>
        <level label="1">
          <text>The names of the original parties to the superior mortgage or deed of trust;</text>
        </level>
        <level label="2">
          <text>The date the superior mortgage or deed of trust was recorded; and</text>
        </level>
        <level label="3">
          <text>The office, docket or book, and page where the superior mortgage or deed of trust is recorded.</text>
        </level>
      </level>
    </level>
    <level label="4">
      <level label="i">
        <text>Except as provided in subparagraph (ii) of this paragraph, failure of a holder of a subordinate mortgage, deed of trust, or other subordinate interest to record a request for notice under this subsection does not affect the duty of a holder of a superior interest to provide notice as required under this section.</text>
      </level>
      <level label="ii">
        <text>A holder of a superior interest does not have a duty to provide notice to a condominium council of unit owners or homeowners association that has not filed a request for notice under this subsection.</text>
      </level>
    </level>
  </level>
  <level label="d">
    <text>The person giving notice under this section shall file in the action:</text>
    <level label="1">
      <text>The return receipt from the notice; or</text>
    </level>
    <level label="2">
      <text>An affidavit that:</text>
      <level label="i">
        <text>The notice provisions of this section have been complied with; or</text>
      </level>
      <level label="ii">
        <text>The address of the holder of the subordinate interest is not reasonably ascertainable.</text>
      </level>
    </level>
  </level>
  <level label="e">
    <text>The person authorized to make a sale in an action to foreclose a mortgage or deed of trust is not required to give notice to the holder of a subordinate mortgage, deed of trust, or other subordinate interest if:</text>
    <level label="1">
      <text>The existence of the mortgage, deed of trust, or other subordinate interest is not reasonably ascertainable;</text>
    </level>
    <level label="2">
      <text>The identity or address of the holder of the mortgage, deed of trust, or other subordinate interest is not reasonably ascertainable;</text>
    </level>
    <level label="3">
      <text>With respect to a recorded or filed subordinate mortgage, deed of trust, or other recorded or filed subordinate interest, the recordation or filing occurred after the later of:</text>
      <level label="i">
        <text>30 days before the day on which the foreclosure sale was actually held; and</text>
      </level>
      <level label="ii">
        <text>The date the action to foreclose the mortgage or deed of trust was filed;</text>
      </level>
    </level>
    <level label="4">
      <text>With respect to an unrecorded or unfiled subordinate mortgage, deed of trust, or other unrecorded or unfiled subordinate interest, the subordinate interest was created after the later of:</text>
      <level label="i">
        <text>30 days before the day on which the foreclosure sale was actually held; and</text>
      </level>
      <level label="ii">
        <text>The date the action to foreclose the mortgage or deed of trust was filed; or</text>
      </level>
    </level>
    <level label="5">
      <text>With respect to a condominium council of unit owners or homeowners association, the condominium council of unit owners or homeowners association has not filed a request for notice under subsection (c) of this section.</text>
    </level>
  </level>
  <level label="f">
    <text>The right of a holder of a subordinate mortgage, deed of trust, or other subordinate interest to file an action for the failure of the person authorized to make a sale in an action to foreclose a mortgage or deed of trust to comply with the provisions of this section shall expire 3 years after the date of the order ratifying the foreclosure sale.</text>
  </level>
</section>
