A Maryland person is convicted in 2026 of a single count of mortgage fraud with an ordinary victim. What maximum criminal penalty applies without a pattern or vulnerable-adult enhancement?
Correct Answer
D) A felony: up to $5,000 or 10 years imprisonment or both
Except in the vulnerable adult and pattern cases, a person who violates the subtitle is guilty of a felony and on conviction is subject to a fine not exceeding $5,000 or imprisonment not exceeding 10 years or both. Other choices: it is a felony; the fine is $5,000 rather than $50,000; and the term is 10 years rather than 3. Source: Md. Real Prop. § 7-407(a)
Why This Is the Correct Answer
Except in the vulnerable adult and pattern cases, a person who violates the subtitle is guilty of a felony and on conviction is subject to a fine not exceeding $5,000 or imprisonment not exceeding 10 years or both. Other choices: it is a felony; the fine is $5,000 rather than $50,000; and the term is 10 years rather than 3. Source: Md. Real Prop. § 7-407(a)
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