MARYLAND HB 315

Prepare Your Properties  For Marylands Rent Reporting Law

If your team owns or manages six or more residential rental units in Maryland, Esusu can help you operationalize a clear, resident-friendly process for positive rent reporting.

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What Esusu provides

Reports eligible on-time rent payments to Equifax, Experian, and TransUnion

Supports resident enrollment and communication

Uses a positive-only reporting approach

Builds a repeatable workflow for Maryland properties

HB 315 Overview

Maryland's Rent Reporting Law Turns Compliance Into An Operational Workflow

Starting October 1, 2026, covered Maryland landlords must offer tenants the option to have positive rental payment history reported to a consumer reporting agency for leases entered into on or after that date.

For property teams, this is more than a lease update. It can affect resident communication, staff training, opt-in and opt-out processes, documentation, and annual re-offers.

KEY DATES

Oct 1, 2026

HB 315 Effective Date

Offer required at all new lease signings

Jan 1, 2027

Existing lease deadline

First offer must be made for pre-existing leases

Ongoing

Annual re-offer

Required at least once per year for all covered tenants

What property teams should start preparing before October 2026

Many teams need more than a policy statement. They need a process that staff can follow consistently across properties and resident touchpoints.  

Your team may need to:

Confirm which Maryland properties are covered and review current lease templates

Define how the offer will be presented and prepare resident communications and FAQs

Establish opt-in, opt-out, and annual re-offer procedures

Select a reporting partner and document the reporting process

Train onsite and support teams to follow the process consistently

Get started

3

Major credit bureaus

Equifax, Experian & TransUnion

6+

Units

Triggers the rent-reporting requirement

Oct '26

Effective Date

Prepare your portfolio now

Key Requirements of Maryland's Rent Reporting Law:

Who is covered by Maryland's rent reporting law?

The rule applies to landlords with six or more residential rental units in Maryland.

When must the rent reporting offer be made?

The offer must be included at lease signing for covered leases.

What must the written rent reporting offer include?

The written offer must include opt-in and opt-out instructions, plus a notice that opting out triggers a 6-month waiting period before re-enrollment.

Does the law require an annual re-offer?

Beyond the offer made at lease signing, covered landlords must make the reporting offer to tenants at least once annually thereafter.

Existing Lease

For leases already in place before October 1, 2026, landlords must make the first offer no later than January 1, 2027.

Can landlords charge a rent reporting fee?

If a tenant participates, landlords may charge no more than the lower of the actual cost or $10 per month. Consult legal counsel to confirm applicability.

Learn more about HB 315

How Esusu helps Maryland teams operationalize positive rent reporting

Esusu helps rental property teams support a positive rent reporting process that is easier to explain, easier to manage, and better for the resident experience.

Positive-only reporting

Esusu reports eligible on-time rent payments. Esusu does not report missed or late rent payments to the all three major credit bureaus.

Three-bureau reporting

HB 315 requires reporting to at least one consumer reporting agency. Esusu goes further by reporting eligible on-time rent payments to all three major credit bureaus.

Resident support

Esusu can help support a more organized process for resident enrollment, communication, and program management.

More resident value

Positive rent reporting can help residents add eligible on-time rent payments to their credit history, though it does not guarantee a credit score increase.

Past payment reporting

Esusu can report up to 24 months of past on-time payments to boost resident value—an Esusu feature, not an HB 315 requirement.

Plan your rent reporting workflow

*This page is for general informational purposes only and is not legal advice.
**For the full statutory requirements and any future implementation guidance, refer to the official Maryland HB 315 (Chapter 772) bill page and review your specific obligations with legal counsel.

Legal Notice. This page reflects Maryland House Bill 315 (Chapter 772, Laws of Maryland 2026), as enacted and approved by the Governor on May 26, 2026. Implementing regulations required under the Act have not been issued as of July 14, 2026 and may modify or clarify the requirements described above. Violations of the anti-discrimination provisions of HB 315 are enforceable by the Maryland Commission on Civil Rights. This information is for general informational purposes only, does not constitute legal advice, and is subject to change.

HB 315 also bars covered landlords from rejecting applicants who use an income-based housing subsidy based on income or credit history from before they received the subsidy — enforced by the Maryland Commission on Civil Rights. Esusu's rent reporting supports the reporting requirement only; it does not address these anti-discrimination obligations, which you should review separately with counsel

Let's build your HB 315 workflow together.

If your team is preparing for Maryland's new rent reporting law (HB 315), Esusu can help you build a clearer and more streamlined positive rent reporting workflow for your Maryland properties.

Review your coverage and compliance gaps
Design resident enrollment and communication flows
Set up reporting to Equifax, Experian, and TransUnion
Build a repeatable annual re-offer process

Prepare Your Properties For Marylands Rent Reporting Law