<?xml version="1.0" encoding="utf-8" ?><rss version="2.0"><channel><title>Online</title><link>https://www.mbamw.org/</link><description> </description><copyright>Powered by: Forest Blog Copyright 2006 Host Forest</copyright><item><title>A Picture-Perfect Fall Day at MBA/MW's Annual Golf Outing!</title><image>1</image><description><![CDATA[Thank you to all who joined us at our annual golf outing yesterday, 10/19, at Evergreen Country Club.&nbsp;<br />
<br />
With sunshine, beautiful autumn scenery, and a great group of industry colleagues, the setting was perfect for golf, friendly competition, and networking.&nbsp;<br />
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Check out our event photos <a href="https://www.mbamw.org/2026GolfOutingPhotos"><span style="color:#DAA520;">here.&nbsp;</span></a><br />
<br />
Congratulations to all our winners! Thank you to everyone who participated and helped make this year&#39;s outing so memorable.<br />
<br />
<strong>1st Place &ndash; Score: 55</strong>
<ul>
	<li>Skip Clasper</li>
	<li>Chad Dudley</li>
	<li>Robbie Kfoury</li>
	<li>Carlos Reyes</li>
</ul>
<strong>2nd Place &ndash; Score: 57</strong>

<ul>
	<li>Bill Landon</li>
	<li>Bill Schwartz</li>
	<li>Ian Waite</li>
	<li>Brooks Hunt</li>
</ul>
<strong>3rd Place &ndash; Score: 60</strong>

<ul>
	<li>Michael Joseph</li>
	<li>Tom O&#39;Keeffe</li>
	<li>Frankie Romano</li>
	<li>Jason Schumacher</li>
</ul>
<strong>Last Place (Good Sports Award!)&nbsp;</strong>

<ul>
	<li>David Sober</li>
	<li>Beverley Franklin</li>
	<li>Michael Servello</li>
	<li>Talia Fitzgerald</li>
</ul>
<strong>Individual Contest Winners</strong>

<ul>
	<li><strong>Ladies&#39; Long Drive:</strong> Jenny Kim</li>
	<li><strong>Men&#39;s Long Drive:</strong>&nbsp;Cam Butler&nbsp;</li>
	<li><strong>Closest to the Pin:</strong> Frankie Romano (2 feet, 3 inches)</li>
	<li><strong>Putting Contest: </strong>Chris Palermo</li>
</ul>
<br />
Thank you to our amazing Marketing Committee, Jelaire Grillo, Erica Goodwin, Cotton Walsh, and Eric Mullis, who made the day extra fun.&nbsp;<br />
<br />
<img alt="" src="https://www.mbamw.org/content_images/IMG_7882.jpeg" style="width: 300px; height: 225px;" /><br />
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Events like this wouldn&#39;t be possible without the generous support of our sponsors!<br />
&nbsp;
<h4 style="box-sizing: border-box; margin: 0px 0px 10px; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box; font-weight: 700;">Reception Sponsor</span></h4>

<div style="box-sizing: border-box; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);"><a href="https://www.allstate.com/christineangles" style="box-sizing: border-box; background-color: transparent; color: rgb(14, 39, 73); text-decoration: none; opacity: 1;"><img alt="" src="https://www.mbamw.org/content_images/Christine-Angles-Allstate-logo-transparent-no-address.png" style="box-sizing: border-box; border-width: 0px; border-color: currentcolor; border-image: none; vertical-align: middle; max-width: 100%; height: 150px; width: 250px;" /></a></div>

<h4><strong>Lunch Sponsor</strong></h4>

<h1 style="box-sizing: border-box; margin: 0px 0px 20px; font-size: 30px; font-family: Montserrat, sans-serif; line-height: 1.1; color: rgb(14, 39, 73); background-color: rgb(255, 255, 255);"><img alt="" src="https://www.mbamw.org/content_images/CIC-Credit-Location-Signs-Cut-Ready(1).png" style="box-sizing: border-box; border-width: 0px; border-color: currentcolor; border-image: none; vertical-align: middle; max-width: 100%; height: 121px; width: 250px;" /></h1>

<h4><strong>Beverage Cart Sponsor</strong></h4>
<br style="box-sizing: border-box; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);" />
<img alt="" src="https://www.mbamw.org/content_images/CMG_HOME_LOANS_LOGO_POS_VERTICAL_STACKED_FINAL_2_1%20copy.png" style="box-sizing: border-box; border-width: 0px; border-color: currentcolor; border-image: none; vertical-align: middle; max-width: 100%; height: 119px; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255); text-align: center; width: 250px;" /><br style="box-sizing: border-box; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);" />
<span style="font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);">&nbsp;</span>

<div style="box-sizing: border-box; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);"><img alt="" src="https://www.mbamw.org/content_images/Guild%20navy%20yellow.jpg" style="box-sizing: border-box; border-width: 0px; border-color: currentcolor; border-image: none; vertical-align: middle; max-width: 100%; height: 129px; width: 250px;" /></div>

<h1 style="box-sizing: border-box; margin: 0px 0px 20px; font-size: 30px; font-family: Montserrat, sans-serif; line-height: 1.1; color: rgb(14, 39, 73); background-color: rgb(255, 255, 255);">&nbsp;</h1>

<h4><strong>Hole Sponsors</strong></h4>
<span style="font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);">&nbsp;</span>

<div style="box-sizing: border-box; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);"><br style="box-sizing: border-box;" />
<img alt="" src="https://www.mbamw.org/content_images/acm-logo-primary-blue.png" style="box-sizing: border-box; border-width: 0px; border-color: currentcolor; border-image: none; vertical-align: middle; max-width: 100%; height: 42px; width: 200px;" /><br style="box-sizing: border-box;" />
<br style="box-sizing: border-box;" />
<img alt="" src="https://www.mbamw.org/content_images/Atlantic%20Union%20Bank-HL-Horiz_RGB.jpg" style="box-sizing: border-box; border-width: 0px; border-color: currentcolor; border-image: none; vertical-align: middle; max-width: 100%; height: 39px; width: 200px;" /><br style="box-sizing: border-box;" />
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<img alt="" src="https://www.mbamw.org/content_images/chase_pri_rgb.jpg" style="box-sizing: border-box; border-width: 0px; border-color: currentcolor; border-image: none; vertical-align: middle; max-width: 100%; height: 37px; width: 200px;" /><br style="box-sizing: border-box;" />
<img alt="" src="https://www.mbamw.org/content_images/new-certainty-lending-logo.png" style="box-sizing: border-box; border-width: 0px; border-color: currentcolor; border-image: none; vertical-align: middle; max-width: 100%; height: 110px; width: 200px;" /><br style="box-sizing: border-box;" />
<br style="box-sizing: border-box;" />
<img alt="" src="https://www.mbamw.org/content_images/Enact%20(1).png" style="box-sizing: border-box; border-width: 0px; border-color: currentcolor; border-image: none; vertical-align: middle; max-width: 100%; height: 40px; text-align: center; width: 200px;" /><br style="box-sizing: border-box;" />
<br style="box-sizing: border-box;" />
<img alt="" src="https://www.mbamw.org/content_images/first%20heritage(1).png" style="box-sizing: border-box; border-width: 0px; border-color: currentcolor; border-image: none; vertical-align: middle; max-width: 100%; height: 70px; width: 200px;" /><br style="box-sizing: border-box;" />
<br style="box-sizing: border-box;" />
<img alt="" src="https://www.mbamw.org/content_images/first%20home%20transparent(1).png" style="box-sizing: border-box; border-width: 0px; border-color: currentcolor; border-image: none; vertical-align: middle; max-width: 100%; height: 61px; width: 200px;" /><br style="box-sizing: border-box;" />
<br style="box-sizing: border-box;" />
<img alt="" src="https://www.mbamw.org/content_images/2025%20Events/GNB%20Mortgage.png" style="box-sizing: border-box; border-width: 0px; border-color: currentcolor; border-image: none; vertical-align: middle; max-width: 100%; height: 82px; width: 200px;" /><br style="box-sizing: border-box;" />
<br style="box-sizing: border-box;" />
<img alt="" src="https://www.mbamw.org/content_images/National%20MI%20Logo_Blue%20Gray.png" style="box-sizing: border-box; border-width: 0px; border-color: currentcolor; border-image: none; vertical-align: middle; max-width: 100%; height: 46px; width: 250px;" /><br style="box-sizing: border-box;" />
<br style="box-sizing: border-box;" />
<br style="box-sizing: border-box;" />
<img alt="" src="https://www.mbamw.org/content_images/2025%20Events/SWBC_Mortgage_RGB.jpg" style="box-sizing: border-box; border-width: 0px; border-color: currentcolor; border-image: none; vertical-align: middle; max-width: 100%; height: 162px; width: 200px;" /></div>
<br />
Whether you finished at the top of the leaderboard or simply enjoyed a beautiful day on the course, thank you for making this year&#39;s outing such a success.<br />
<br />
<br />
&nbsp;]]></description><guid>https://www.mbamw.org/default.asp?Display=81</guid><link>https://www.mbamw.org/default.asp?Display=81</link><author>MBA/MW Staff</author><theblogid>81</theblogid><pubDate>20261020155953</pubDate></item><item><title>MBAMW and MMBBA Merger Announced</title><image>1</image><description><![CDATA[<div style="caret-color: rgb(33, 33, 33); color: rgb(33, 33, 33); font-family: Calibri; font-size: 16px; text-decoration-thickness: auto; text-decoration-style: solid;"><span class="gmail-rnc2Gd" google="" sans="" style="color: rgb(31, 31, 31); font-family: ">The members of both the Maryland Mortgage Bankers and Brokers Association (MMBBA) and the Mortgage Bankers Association of Metropolitan Washington (MBA/MW) have officially voted to approve the merger of the two organizations</span><span class="gmail-rnc2Gd" google="" sans="" style="color: rgb(31, 31, 31); font-family: ">. </span><span class="gmail-rnc2Gd" google="" sans="" style="color: rgb(31, 31, 31); font-family: ">This decision follows months of careful planning and leadership collaboration to build a stronger foundation for the mortgage industry across Maryland, Washington, D.C., and Northern Virginia</span><span class="gmail-rnc2Gd" google="" sans="" style="color: rgb(31, 31, 31); font-family: ">.</span><br />
&nbsp;</div>

<div style="caret-color: rgb(33, 33, 33); color: rgb(33, 33, 33); font-family: Calibri; font-size: 16px; text-decoration-thickness: auto; text-decoration-style: solid;"><span class="gmail-rnc2Gd" google="" sans="" style="color: rgb(31, 31, 31); font-family: "></span></div>

<div style="caret-color: rgb(33, 33, 33); color: rgb(33, 33, 33); font-family: Calibri; font-size: 16px; text-decoration-thickness: auto; text-decoration-style: solid;"><span class="gmail-rnc2Gd" google="" sans="" style="color: rgb(31, 31, 31); font-family: "><strong><span class="gmail-rnc2Gd">Key Highlights:</span></strong></span>

<ul class="gmail-gdAMzb">
	<li class="gmail-rnc2Gd"><span class="gmail-rnc2Gd" google="" sans="" style="color: rgb(31, 31, 31); font-family: "><strong><span class="gmail-rnc2Gd">Expanded Member Value:</span></strong><span class="gmail-rnc2Gd"> Members will benefit from enhanced networking events, expanded educational offerings, and professional development programs</span><span class="gmail-rnc2Gd">.</span></span></li>
	<li class="gmail-rnc2Gd"><span class="gmail-rnc2Gd" google="" sans="" style="color: rgb(31, 31, 31); font-family: "><strong><span class="gmail-rnc2Gd">Unified Regional Advocacy:</span></strong><span class="gmail-rnc2Gd"> The combined organization will provide a stronger, single voice for legislative and regulatory advocacy throughout the region</span><span class="gmail-rnc2Gd">.</span></span></li>
	<li class="gmail-rnc2Gd"><span class="gmail-rnc2Gd" google="" sans="" style="color: rgb(31, 31, 31); font-family: "><strong><span class="gmail-rnc2Gd">Greater Resources:</span></strong><span class="gmail-rnc2Gd"> Merging operations creates a more efficient and sustainable organization with increased resources and participation</span><span class="gmail-rnc2Gd">.</span></span></li>
</ul>
</div>

<div style="caret-color: rgb(33, 33, 33); color: rgb(33, 33, 33); font-family: Calibri; font-size: 16px; text-decoration-thickness: auto; text-decoration-style: solid;"><strong google="" sans="" style="color: rgb(31, 31, 31); font-family: "><span class="gmail-rnc2Gd">Timeline &amp; Next Steps:</span></strong>

<div class="gmail-gWqWw gmail-rnc2Gd" google="" sans="" style="color: rgb(31, 31, 31); font-family: ">&nbsp;</div>
<span class="gmail-rnc2Gd" google="" sans="" style="color: rgb(31, 31, 31); font-family: ">Leadership is actively working through the transition process, targeting completion by January 1, 2027</span><span class="gmail-rnc2Gd" google="" sans="" style="color: rgb(31, 31, 31); font-family: ">. </span><span class="gmail-rnc2Gd" google="" sans="" style="color: rgb(31, 31, 31); font-family: ">Members will receive ongoing updates as finalized details emerge</span><span class="gmail-rnc2Gd" google="" sans="" style="color: rgb(31, 31, 31); font-family: ">.</span></div>
]]></description><guid>https://www.mbamw.org/default.asp?Display=80</guid><link>https://www.mbamw.org/default.asp?Display=80</link><author>MBA/MW Staff</author><theblogid>80</theblogid><pubDate>20260918171526</pubDate></item><item><title>Susan Stewart, CEO of SWBC is Jake's next guest on Keys to the Market</title><image>1</image><description><![CDATA[<a href="https://youtu.be/pwGSM3HqBCE" style="box-sizing: border-box; background-color: rgb(255, 255, 255); color: rgb(215, 169, 40); opacity: 1; outline: none; font-family: Montserrat, sans-serif;"><img alt="" src="https://www.mbamw.org/content_images/Jake%20and%20Susan%20pic%20with%20play%20button.png" style="box-sizing: border-box; border-width: 0px; border-color: currentcolor; border-image: none; vertical-align: middle; max-width: 100%; height: 167px; width: 600px;" /></a><br style="box-sizing: border-box; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);" />
<br style="box-sizing: border-box; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);" />
<span style="font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);">In this episode, Jake Ryon sits down with Susan Stewart, CEO of SWBC Mortgage, to discuss her remarkable career journey and the lessons she has learned throughout more than 37 years in the mortgage industry. Susan shares how she entered the business at age 24 as a single mother and advanced through roles including processor, underwriter, operations manager, and ultimately CEO. She reflects on the industry&rsquo;s evolution&mdash;from a limited selection of mortgage products to today&rsquo;s increasingly complex lending environment, which includes options such as non-QM and non-warrantable condominium loans designed to serve borrowers with a wider range of financial circumstances. The conversation also explores Susan&rsquo;s leadership philosophy, including the importance of integrity, empathy, kindness, and emotional intelligence. Susan and Jake discuss the collaborative culture of the mortgage community throughout the DMV region and the responsibility industry leaders have to mentor and develop the next generation of mortgage professionals.</span><br style="box-sizing: border-box; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);" />
<br style="box-sizing: border-box; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);" />
<span style="font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);">Hosted By: Jake Ryon, Sales Manager, NMLS </span><a force-new-state="true" href="https://www.youtube.com/hashtag/993471" style="box-sizing: border-box; background-color: rgb(255, 255, 255); color: rgb(14, 39, 73); text-decoration: none; opacity: 1; font-family: Montserrat, sans-serif;" tabindex="0" target="">#993471</a><span style="font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);"> at SWBC Mortgage</span><br style="box-sizing: border-box; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);" />
<span style="font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);">Guest: Susan Stewart, CEO of SWBC Mortgage</span><br style="box-sizing: border-box; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);" />
<br style="box-sizing: border-box; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);" />
<a href="https://youtu.be/pwGSM3HqBCE" style="box-sizing: border-box; background-color: rgb(255, 255, 255); color: rgb(14, 39, 73); text-decoration: none; opacity: 1; font-family: Montserrat, sans-serif;"><span style="box-sizing: border-box; color: rgb(218, 165, 32);">VIEW VIDEO</span></a>]]></description><guid>https://www.mbamw.org/default.asp?Display=78</guid><link>https://www.mbamw.org/default.asp?Display=78</link><author>MBA/MW Staff</author><theblogid>78</theblogid><pubDate>20260803164056</pubDate></item><item><title>Gene Lugat is Jake's next guest on Keys to the Market</title><image>1</image><description><![CDATA[<br style="box-sizing: border-box; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);" />
<img alt="" src="https://www.mbamw.org/content_images/jake%20and%20gene.png" style="box-sizing: border-box; border-width: 0px; border-color: currentcolor; border-image: initial; vertical-align: middle; max-width: 100%; height: 111px; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255); width: 400px;" /><br />
<br style="box-sizing: border-box; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);" />
<span style="box-sizing: border-box; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255); text-decoration-thickness: auto; text-decoration-style: solid; caret-color: rgb(0, 0, 0);">In this episode of<span style="box-sizing: border-box;"> </span></span><em style="box-sizing: border-box; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255); text-decoration-thickness: auto; text-decoration-style: solid; caret-color: rgb(0, 0, 0);">Keys to the Market</em><span style="box-sizing: border-box; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255); text-decoration-thickness: auto; text-decoration-style: solid; caret-color: rgb(0, 0, 0);">, Jake Ryon sits down with Gene Lugat of PrimeLending for a thoughtful conversation about leadership, advocacy, and the evolution of the mortgage industry. With more than 40 years in the business, Gene shares lessons from his early days as a loan officer, the mentors who shaped his career, and why relationship-building, industry involvement, and advocacy remain just as important today as ever. From navigating market changes to encouraging the next generation of mortgage professionals to get involved, Gene offers valuable perspective for anyone working in or connected to mortgage banking. Watch the full interview to hear his insights and his call to &ldquo;lead from the front.&rdquo;</span><br style="box-sizing: border-box; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);" />
<br style="box-sizing: border-box; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);" />
<span style="font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);"><strong>Hosted By:</strong> Jake Ryon, Sales Manager, NMLS </span><a force-new-state="true" href="https://www.youtube.com/hashtag/993471" style="box-sizing: border-box; background-color: rgb(255, 255, 255); color: rgb(14, 39, 73); text-decoration: none; opacity: 1; font-family: Montserrat, sans-serif;" tabindex="0" target="">#993471</a><span style="font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);"> at SWBC Mortgage</span><br style="box-sizing: border-box; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);" />
<span style="font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);"><strong>Guest: </strong>Gene Lugat, Executive Vice President, PrimeLending</span><br style="box-sizing: border-box; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);" />
<br style="box-sizing: border-box; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);" />
<span style="font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);">This podcast was sponsored by:</span><br style="box-sizing: border-box; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);" />
<img alt="" src="https://www.mbamw.org/content_images/Arch%20MI.png" style="border-width: 0px; border-color: currentcolor; border-image: initial; box-sizing: border-box; vertical-align: middle; max-width: 100%; height: 95px; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255); width: 300px;" /><br style="box-sizing: border-box; font-family: Montserrat, sans-serif; background-color: rgb(255, 255, 255);" />
<a href="https://youtu.be/6wnItKtUmqU" style="box-sizing: border-box; background-color: rgb(255, 255, 255); color: rgb(14, 39, 73); text-decoration: none; opacity: 1; font-family: Montserrat, sans-serif;">VIEW VIDEO</a>]]></description><guid>https://www.mbamw.org/default.asp?Display=76</guid><link>https://www.mbamw.org/default.asp?Display=76</link><author>MBA/MW Staff</author><theblogid>76</theblogid><pubDate>20260706104503</pubDate></item><item><title>Great Evening at the Nats Game!</title><image>1</image><description><![CDATA[It was a beautiful evening for a baseball game! Thank you to all who attended.&nbsp;<br />
<br />
<img alt="" src="https://www.mbamw.org/content_images/Nationals%20Game%20Photos.png" style="width: 800px; height: 640px;" />]]></description><guid>https://www.mbamw.org/default.asp?Display=77</guid><link>https://www.mbamw.org/default.asp?Display=77</link><author>MBA/MW Staff</author><theblogid>77</theblogid><pubDate>20260625172953</pubDate></item><item><title>Exemption From Mortgage Lender and Installment Loan Licensure: Correction to Statute</title><image>1</image><description><![CDATA[<img alt="" src="https://www.mbamw.org/content_images/MD%20Regulatory%20Header.png" style="width: 500px; height: 195px;" /><br />
&nbsp;
<h1 class="abe-column-block-padding" style="caret-color: rgb(33, 33, 33); color: rgb(33, 33, 33); text-decoration-thickness: auto; text-decoration-style: solid; text-align: center; line-height: 1.2; margin: 0px 0px 6px; font-family: arial, helvetica, sans-serif; font-size: 24px;">Exemption From Mortgage Lender and Installment Loan Licensure: Correction to Statute</h1>

<p class="abe-column-block-padding" style="caret-color: rgb(33, 33, 33); color: rgb(33, 33, 33); font-size: 16px; text-decoration-thickness: auto; text-decoration-style: solid; text-align: center; line-height: 1.4; margin: 0px 0px 15px; font-family: arial, helvetica, sans-serif;">June 8, 2026</p>
&nbsp;

<p class="abe-column-block-padding" style="caret-color: rgb(33, 33, 33); color: rgb(33, 33, 33); font-size: 16px; text-decoration-thickness: auto; text-decoration-style: solid; line-height: 1.4; margin: 0px 0px 15px; font-family: arial, helvetica, sans-serif;">During its 2026 session, Maryland&rsquo;s General Assembly passed<span> </span><span style="color: rgb(0, 0, 255);"><a data-outlook-id="7021e529-de1e-4dc1-9274-bafb2ce7e4d6" href="https://urldefense.com/v3/__https://links-1.govdelivery.com/CL0/https:*2F*2Fmgaleg.maryland.gov*2F2026RS*2Fchapters_noln*2FCh_40_sb0784T.pdf/1/0100019ea789f7a5-95875e89-4b91-4eca-842b-51e900f16bbb-000000/HgceS_LZr7B2_nTkfBrdwUQbVcqkVTO5Q-1WxI8ivkU=452__;JSUlJSU!!JqvYAslXPdSWh8T5L8zmCA!TjnAFnk1H50iydcDilJ4cOh3vW2w98YNwAWdAnFhkihh9Y6Rf31nkVTV-9x8z0svlFkMDAfTC8j7EJGCMhvi68meJuEg$" style="color: rgb(0, 0, 255); margin-top: 0px; margin-bottom: 0px;" title="https://urldefense.com/v3/__https://links-1.govdelivery.com/CL0/https:*2F*2Fmgaleg.maryland.gov*2F2026RS*2Fchapters_noln*2FCh_40_sb0784T.pdf/1/0100019ea789f7a5-95875e89-4b91-4eca-842b-51e900f16bbb-000000/HgceS_LZr7B2_nTkfBrdwUQbVcqkVTO5Q-1WxI8ivkU=452__;JSUlJSU!!JqvYAslXPdSWh8T5L8zmCA!TjnAFnk1H50iydcDilJ4cOh3vW2w98YNwAWdAnFhkihh9Y6Rf31nkVTV-9x8z0svlFkMDAfTC8j7EJGCMhvi68meJuEg$">Senate Bill 784</a></span>. The bill was signed into law by Governor Wes Moore and takes effect July 1, 2026.</p>

<p class="abe-column-block-padding" style="caret-color: rgb(33, 33, 33); color: rgb(33, 33, 33); font-size: 16px; text-decoration-thickness: auto; text-decoration-style: solid; line-height: 1.4; margin: 0px 0px 15px; font-family: arial, helvetica, sans-serif;">After passage of Maryland&rsquo;s Secondary Market Stability Act of 2025 (&ldquo;SMSA&rdquo;), a certain set of provisions, codified as Md. Code Ann., Financial Institutions Article (&ldquo;FI&rdquo;) &sect;11-102, and providing certain exemptions from licensure, were published as law. The General Assembly believed that these provisions had been struck from the final version of the bill as passed. However, because two different versions of the bill&mdash;the earlier of which contained FI &sect;11-102&mdash;had passed, the provisions were published. Senate Bill 784 eliminates FI &sect;11-102 and ensures that the law as published reflects the actual intent of the General Assembly when the SMSA was passed.</p>

<p class="abe-column-block-padding" style="caret-color: rgb(33, 33, 33); color: rgb(33, 33, 33); font-size: 16px; text-decoration-thickness: auto; text-decoration-style: solid; line-height: 1.4; margin: 0px 0px 15px; font-family: arial, helvetica, sans-serif;">The Office of Financial Regulation wishes to make clear that it will not take enforcement action against persons who, in good faith, had relied upon the provisions of FI &sect;11-102 subsequent to its publication in determining that they were not subject to licensing requirements so long as such persons obtain any required license by July 1, 2026.</p>

<h2 class="abe-column-block-padding" style="caret-color: rgb(33, 33, 33); color: rgb(33, 33, 33); text-decoration-thickness: auto; text-decoration-style: solid; line-height: 1.2; margin: 0px 0px 18px; font-family: arial, helvetica, sans-serif; font-size: 20px;">Contact</h2>

<p class="abe-column-block-padding" style="caret-color: rgb(33, 33, 33); color: rgb(33, 33, 33); font-size: 16px; text-decoration-thickness: auto; text-decoration-style: solid; line-height: 1.4; margin: 0px 0px 15px; font-family: arial, helvetica, sans-serif;">For questions about this advisory, please contact Assistant Commissioner Clifford Charland by phone at 410-230-6167 or by email at<span> </span><span style="color: rgb(0, 0, 255);"><a data-outlook-id="805ebf69-44bc-4f0c-9c6c-8265baca622f" href="mailto:clifford.charland@maryland.gov" style="color: rgb(0, 0, 255); margin-top: 0px; margin-bottom: 0px;" title="mailto:clifford.charland@maryland.gov">clifford.charland@maryland.gov</a></span>.</p>
]]></description><guid>https://www.mbamw.org/default.asp?Display=75</guid><link>https://www.mbamw.org/default.asp?Display=75</link><author>MBA/MW Staff</author><theblogid>75</theblogid><pubDate>20260609123838</pubDate></item><item><title>2026 Regulatory Highlights Webinar 6/18 - Maryland Office of Financial Regulation</title><image>1</image><description><![CDATA[Join the Maryland Office of Financial Regulation (OFR) on June 18 at 12:00p.m. for the 2026 Regulatory Highlights Webinar.<br />
Hear directly from OFR leaders as they share key updates, priorities, and insights related to banking, financial services, student lending, and consumer financial protection across Maryland.<br />
<br />
This informative session is designed for regulated financial institutions, financial service providers, consumer advocates, industry stakeholders, and anyone interested in the important work being done to protect and strengthen Maryland&rsquo;s financial marketplace.<br />
Stay informed. Stay connected. Be part of the conversation.
<h2>Agenda</h2>
<em>(The Agenda is Subject to Change)</em>:

<ul>
	<li>Remarks from Commissioner Salazar</li>
	<li>Policy Update, Student Loan Ombudsman and Community Engagement</li>
	<li>Innovation and Money Services</li>
	<li>Depository Supervision Updates, Maryland Stablecoin Act, and Access to Banking/MCIV Fund Updates</li>
	<li>Nondepository Updates, Licensing, Supervision, Enforcement, and Consumer Complaints</li>
	<li>Audience Q&amp;A (questions must be submitted through the webinar registration form)</li>
</ul>

<h2>Contact</h2>
To request an accommodation, such as an ASL interpreter, please contact Toni White by email at <a data-outlook-id="334f8414-f132-4986-8fd7-1948c675f438" href="mailto:FinReg.Outreach@maryland.gov" target="_blank" title="mailto:FinReg.Outreach@maryland.gov">FinReg.Outreach@maryland.gov</a> at least 7 business days prior to the webinar.

<h2 align="center"><a data-outlook-id="754835d4-ff7f-4442-988e-7120c241f81c" href="https://urldefense.com/v3/__https:/links-1.govdelivery.com/CL0/https:*2F*2Fattendee.gotowebinar.com*2Fregister*2F1684989930485315927/1/0100019e837da2f5-ad35191a-46ea-4735-84db-a4371332a121-000000/NqIRVak7NGOrnciyk5cKpyaVi2FH0RZWfeSG1Iq6Rw8=452__;JSUlJQ!!JqvYAslXPdSWh8T5L8zmCA!VN3nr8D-bDg13hy8-xHrtCUlPI1UkEXTKGC5aHW5ElYAeX3pfhXiiRB3QM0l1rioGVTF6qTUcWFUQblkLVFxVVU863X9$" target="_blank" title="https://urldefense.com/v3/__https:/links-1.govdelivery.com/CL0/https:*2F*2Fattendee.gotowebinar.com*2Fregister*2F1684989930485315927/1/0100019e837da2f5-ad35191a-46ea-4735-84db-a4371332a121-000000/NqIRVak7NGOrnciyk5cKpyaVi2FH0RZWfeSG1Iq6Rw8=452__;JSUlJQ!!JqvYAslXPdSWh8T5L8zmCA!VN3nr8D-bDg13hy8-xHrtCUlPI1UkEXTKGC5aHW5ElYAeX3pfhXiiRB3QM0l1rioGVTF6qTUcWFUQblkLVFxVVU863X9$">Register Here</a></h2>
]]></description><guid>https://www.mbamw.org/default.asp?Display=74</guid><link>https://www.mbamw.org/default.asp?Display=74</link><author>MBA/MW Staff</author><theblogid>74</theblogid><pubDate>20260604091931</pubDate></item><item><title>Golf Sponsorship Packages Available!</title><image>1</image><description><![CDATA[Join us as a sponsor at our upcoming golf outing on October 19!<br />
<br />
<a href="https://www.mbamw.org/ev_calendar_day.asp?date=10/19/2026&amp;eventid=276"><input name="SIGN UP HERE" type="button" value="SIGN UP HERE" /></a><br />
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<img alt="" src="https://www.mbamw.org/content_images/MBAMW%20Golf%20Flyer%202026%20(2).png" style="width: 700px; height: 906px;" />]]></description><guid>https://www.mbamw.org/default.asp?Display=73</guid><link>https://www.mbamw.org/default.asp?Display=73</link><author>MBA/MW Staff</author><theblogid>73</theblogid><pubDate>20260602135042</pubDate></item><item><title>Jake Ryon interviewed Darran Anthony, Division President of Main Street Home Loans</title><image>1</image><description><![CDATA[<br />
<a href="https://youtu.be/3IfGLjUsi7I"><img alt="" src="https://www.mbamw.org/content_images/Jake%20Darran%20Photo%20with%20Play%20Button.png" style="width: 400px; height: 122px;" /></a><br />
Jake Ryon interviewed Darran Anthony, Division President of Main Street Home Loans, about his 30-plus year career in mortgage banking, his leadership approach, and the future of the industry. Darran shared how beginning in operations gave him a strong foundation in loan guidelines, documentation, underwriting, and risk management, which has shaped his success as both an originator and leader. He emphasized the importance of understanding the full loan process, building a strong company culture, supporting loan officers, and adapting to industry changes such as non-QM lending, technology, and AI, while noting that trusted human guidance remains essential for borrowers making major financial decisions.<br />
<br />
Hosted By: Jake Ryon, Sales Manager, NMLS <a force-new-state="true" href="https://www.youtube.com/hashtag/993471" tabindex="0" target="">#993471</a> at SWBC Mortgage<br />
Guest: Darran Anthony, Division President, Main Street Home Loans<br />
<br />
<a href="https://youtu.be/3IfGLjUsi7I">VIEW VIDEO</a>]]></description><guid>https://www.mbamw.org/default.asp?Display=72</guid><link>https://www.mbamw.org/default.asp?Display=72</link><author>MBA/MW Staff</author><theblogid>72</theblogid><pubDate>20260601134649</pubDate></item><item><title>MAA Action Week &#8211; Celebrate 250. Advocate for Tomorrow.</title><image>1</image><description><![CDATA[<img alt="" src="https://www.mbamw.org/content_images/28981-MAA-Action-Week-Social-Media-Graphics-1200%20x%20620_Email.png" style="width: 800px; height: 414px;" />]]></description><guid>https://www.mbamw.org/default.asp?Display=71</guid><link>https://www.mbamw.org/default.asp?Display=71</link><author>MBA/MW Staff</author><theblogid>71</theblogid><pubDate>20260511135301</pubDate></item></channel></rss>