MASTER FINANCIAL, INC. v. CROWDER

No. 96, September Term, 2008.

972 A.2d 864 (2009)

409 Md. 51

MASTER FINANCIAL, INC., et al. v. Ralph S. CROWDER, et al.

Court of Appeals of Maryland.

Decided June 9, 2009.

Reargued May 5, 2009.


Attorney(s) appearing for the Case

Gerard J. Gaeng (Andrew H. Baida and Melody Tagliaferri Cronin of Rosenberg, Martin, Greenberg, LLP), Ward B. Coe, III (Hillary A. Hussin of Gallagher, Evelius & Jones, Baltimore), on brief, John M. McIntyre (Thomas L. Allen and Roy W. Arnold of Reed Smith, LLP, Pittsburgh, PA), Gregory L. Lockwood, Pope & Hughes, Towson, Anne Kelly Laynor, Law Offices of Anne Kelly Laynor, Marriotsville, Daniel J. Tobin, Ballard, Spahr, Andrews & Ingersoll, LLP, Bethesda, Brian L. Moffet, Gordon, Feinblatt, Rothman, Hoffberger & Hollander, LLC, Baltimore, J. Steven Lovejoy, Michael E. Rowan, Shumaker Williams, P.C., Towson, Philip M. Andrews, Kramon & Graham, P.A., Baltimore, Marva Deskins, Goodwin Procter, LLP, Daniel H. Squire, Wilmer, Cutler, Pickering, Hale and Dorr, LLP, Washington, DC, Gerald Danoff, Danoff & King, PA, Towson, Jefferson V. Wright, E. Hutchinson Robbins, Jr., Robert S. Brennen, Miles & Stockbridge, P.C., John T. Prisbe, Venable, LLP, Gregg L. Bernstein, Zuckerman Spaeder, LLP, Baltimore, Kenneth G. Roberts, WolfBlock, LLP, New York, NY, Dana B. Klinges, Wolf-Block, LLP, Philadelphia, PA, Joseph Aronauer, John C. Re, Aronauer, Goldfarb, Re & Yudell, LLP, New York, NY, Jack L.B. Gohn, Gohn, Hankey & Stichel, LLP, Baltimore and Richard D. Holzheimer, Jr., Reed Smith, LLP, Falls Church, VA, on supplemental memorandum, for petitioners/cross-respondents.

E. David Hoskins (The Law Offices of E. David Hoskins, LLC, Baltimore), on brief and on supplemental memorandum, for respondents/cross-petitioners.

Reargued before JOHN C. ELDRIDGE (Retired, Specially Assigned), ALAN M. WILNER (Retired, Specially Assigned) and DALE R. CATHELL (Retired, Specially Assigned), JJ.


ALAN M. WILNER, J., Retired, Specially Assigned.

Before us are nineteen lawsuits, nine of which are class actions. In all of them, the plaintiffs, each of whom had allegedly obtained a loan secured by a second mortgage on residential property, claimed that their respective loan transactions violated the State Secondary Mortgage Loan Law (SMLL) in several respects, and they sought redress under that statute. Several of the plaintiffs also asserted violations of the...

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