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Read. Follow. Verify.Maryland Bill Requires Large Homeowners Associations to Post Records Online and Permits Loans for Reserve Funds
Last action · February 12, 2026: Hearing 3/11 at 1:00 p.m.Sponsors: Lewis Young and 2 others
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What This Bill Would Do
Maryland Senate Bill 919 requires homeowners associations with at least 100 lots to post governing documents, meeting minutes, and recordings online, and allows governing bodies to secure loans or lines of credit for reserve funding with a 51% lot owner vote. The measure takes effect October 1, 2026.
Changes transparency rules and financing options for property owners in large residential communities by mandating digital record access and setting new procedures for electronic meetings, voting, and borrowing.
- Homeowners associations in Maryland are regulated under Title 11B of the Real Property Article of the Annotated Code of Maryland. context
Who It Would Affect
Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.
Homeowners associations with at least 100 lots
Must develop or maintain a website, online portal, or mobile app to host governing documents, meeting minutes, and recordings.
Lot owners
Gains digital access to association records, mandatory 14-day electronic meeting notices, and petition rights for electronic voting.
Homeowners association governing bodies
Gains explicit authority to secure loans or lines of credit for reserve funding with a 51% owner vote and must manage electronic notice and record-posting compliance.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
Which homeowners associations are required to post records online under Senate Bill 919?
How can a homeowners association fund its reserve accounts using borrowed money?
What documents must be posted online by qualifying homeowners associations?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
Currently filed. The next step in the legislative lifecycle is Committee.
Procedural history
2 actions- Feb 12, 2026SenateHearing 3/11 at 1:00 p.m.
- Feb 6, 2026SenateIntroducedFirst Reading Judicial Proceedings
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Mandatory Digital Transparency for Large Communities
Senate Vision shifts record-keeping requirements from passive upon-request availability to proactive digital publishing for associations with 100 or more lots.
Connected Entities
Sources
mgaleg.maryland.gov
Analysis Score
0–100- Significance65How much this matters to a regular citizen
- Controversy25Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz30Current news / social attention level
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