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On January 13, 2026, new legislation was introduced in Maryland aimed at protecting consumers from aggressive debt collection practices. The bill, known as the Consumer Debt Collection Practices Act, seeks to provide Maryland residents with greater transparency and fairness when dealing with debt collectors.One of the key provisions of the bill is the requirement for debt collectors to provide written notice to consumers before attempting to collect on a debt. This notice must include information on the amount of the debt, the name of the original creditor, and the consumer's rights under the law. Additionally, debt collectors will be prohibited from using abusive or harassing language when communicating with consumers.Another important aspect of the legislation is the establishment of a licensing system for debt collection agencies operating in Maryland. Under the new law, debt collectors will be required to obtain a license from the state Department of Labor before engaging in any debt collection activities. This measure is aimed at ensuring that debt collectors adhere to ethical and legal standards in their interactions with consumers.In addition to these regulatory changes, the Consumer Debt Collection Practices Act also includes provisions to help consumers who are struggling with debt. For example, the bill mandates that debt collectors must offer consumers the option to negotiate a payment plan or settlement arrangement. This is intended to give consumers more control over their debt repayment process and help prevent them from falling further into financial distress.Overall, the new legislation represents a significant step forward in protecting Maryland residents from unfair debt collection practices. By establishing clear guidelines for debt collectors and providing consumers with greater rights and protections, the Consumer Debt Collection Practices Act aims to create a more equitable and transparent debt collection process in the state.