Publications - Financial Regulation

Consumer Publications

Consumer publications produced by the Office of the Commissioner of Financial Regulation (downloaded as PDFs):

Banking

• Bank and Credit Union Accounts: Frequently Asked Questions
• What Account is Right for You? Account Ownership and Survivorship: What You Need to Know as a Maryland Consumer

Financial Services

• Check Cashing Services: What You Need to Know as a Maryland Consumer
• "Payday" Loans: What You Need to Know as a Maryland Consumer
• Debt Management Service Providers: What You Need to Know as a Maryland Consumer

Mortgages and Foreclosure

• Mortgage Late Don’t Wait: Factsheet for Maryland Homeowners
• Foreclosure: What You Need to Know as a Maryland Homeowner
• Que Debe Saber Sobre Las Ejecuciones Hipotecarias: Información Para Los Propietarios De Vivienda De Maryland
• Reverse Mortgages: What You Need to Know as a Maryland Homeowner

Student Loans

• Maryland Student Loan Borrower’s Bill of Rights
• Student Loan Ombudsman: What You Need to Know as a Student Loan Borrower
• Student Loan Ombudsman’s Student Loan Educational Toolkit

For identify theft information, see the Identity Theft Guide produced by the Maryland Office of the Attorney General. Additional consumer publications from the Attorney General’s Office are available on the Consumer Protection Division’s website.

For Spanish-language publications, see the Spanish-language resources and financial tools produced by the federal Consumer Financial Protection Bureau.

See also the list of federal government resources for consumers on our Consumer Support Services page.

Consumer Advisories

The Office of the Commissioner of Financial Regulation occasionally issues advisories for consumers about the financial service industries or activities regulated the Office. Subscribe to emails.

• Celebrating 2023 National Consumer Protection Week  - March 9, 2023
• Avoid Becoming a Victim of Student Loan Debt Relief Scams  - October 18, 2022
• Information for Consumers About Debt Settlement Services and Student Loan Debt Relief  - October 6, 2022
• Options for Consumers Impacted by the Bankruptcy of Voyager Digital, LLC  - September 21, 2022
• Cryptocurrency: Potential Risks to Consumers  - August 4, 2022
• Notice to Consumers: Court Decision on So-Called Convenience Fees  - June 8, 2022
• Mortgage Late? Don’t Wait! – April 5, 2022
• Information for Consumers: Federal Student Loan Servicer Announcement – Granite State to Cease Servicing Federal Student Loans  - September 9, 2021
• COVID-19 Information for Consumers: Federal Relief for Student Loan Borrowers with Privately Held FFEL Loans in Default - April 6, 2021
• Maryland Commissioner of Financial Regulation Publishes Student Loan Borrower “Bill of Rights” - October 22, 2020
• Debt Collection: Your Rights as a Maryland Consumer - September 30, 2020
• Beware of COVID-19 Financial Fraud and Scams - May 6, 2020
• COVID-19 Information for Consumers: Payment Relief for Student Loans - March 27, 2020
• COVID-19 Information for Consumers: Continuing Your Banking and Financial Services Activities - March 18, 2020; REVISED March 19, 2020
• Credit Freezes and Unfreezes Now Free for Consumers - October 1, 2018