formulating proposals concerning effective means to secure intergov-
ernmental harmony and is requested by the creating Act to report
to the Governor and to the Legislature within fifteen, days after the
convening of each regular session and at other times deemed appro-
priate. The terms of the members, with the exception of the ex-officio
members, all of whom serve without compensation, is until February
1, 1938, or until their successors are appointed thereafter. The Com-
mission is authorized, when and if funds are made available by
future Acts, to incur such expenses as may be necessary for the
proper performance of its duty and to make contribution to the Coun-
cil of State Governments. However, no funds were made available
for this Commission by the Legislature. The Commission has been
organized and is cooperating to such extent as is possible with the
Council of State Governments, and similar Commissions set up by
thirty-four (34) other states.

COMMISSIONER OF LOANS.

705 Calvert Building
• Baltimore, Md.
Commissioner:

W. David Tilghman, Jr. 1939 Elkridge, Md.
Deputy Commissioner:

Harry Leeward Katz .. . Baltimore, Md.
Chief Investigator

Jack Berman ... .. Baltimore, Md.
Investigators:

George Donhauser .. ... .. Glenwood, Md.
Cecelia Dean. .. . . . . Baltimore, Md.
Secretary..Stenographer:
Esther L. Buckner ... Baltimore, Md.

The office of Commissioner of Loans was created by Chapter 360
of the Acts of 1937 which directed that he should be assigned to and
under the Division of Financial Review and Control. The Act pro-
vided that the first Commissioner should hold office from the effective
date of the same until the first Monday of May, 1939, and that the
term of office should be for four years thereafter, the salary being
fixed at $4800.00, payable out of the receipts of the office. Chapter
368 of said Acts specifies the duties of said Commissioner and directs
that no person, co..partnership or corporation shall engage in the
business of making loans of money, credit, goods or things in the
amount, or to the value of $300.00 or less, and charge, contract for
or receive a greater Bate of interest than six per cent per annum with-
out first having obtained a license from the Commissioner of Loans.

UNEMPLOYMENT COMPENSATION BOARD OF MARYLAND.

William Milnes Maloy, Chairman 1943 Baltimore
Russell S. Davis .. .. ..1941 .. Cambridge
Joseph P. McCurdy . ..1939 Baltimore

Daniel L. Clayland, 3rd. Director,
Unemployment Compensation Division, Baltimore

David L. B. Fringer, Director,
Maryland State Employment Service, Baltimore

Stephen C. Cromwell, Executive Secretary .. Rockville