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VETOES

Dear Mr. Speaker:

In accordance with Article II, Section 17 of the
Maryland Constitution, I have today vetoed House Bill 683.

This bill is for the purpose of eliminating a
requirement that an applicant for a loan from the Maryland
Home Financing Program apply to and be rejected by two
private lending institutions.

The Attorney General has advised me that the title of
House Bill 683 is defective and therefore in contravention
of Article III, Section 29 of the Maryland Constitution. A
copy of the Attorney General's bill review letter dated May
16, 1980 is attached and should be considered a part of this
veto message.

For this reason I have decided to veto House Bill 683.

Sincerely,
Harry Hughes
Governor

May 16, 1980

Honorable Harry Hughes
Governor of Maryland
State House
Annapolis, Maryland 21404

Re: House Bill 683

Dear Governor Hughes:

We have reviewed House Bill 683, dealing with the
Maryland Home Financing Program. Because of a title which
does not adequately describe the contents of the bill, we do
not approve it for constitutionality.

The bill in part amends Code, Financial Institutions
Article, § 13-312, dealing with applications to the Maryland
Home Financing Program for loans. It apparently intends the
following changes:

1.  One rejection letter from a private mortgage
lending institution is required, rather than evidence of
denial by two such institutions.

2.  The requirement of payment or an application fee
set by the Department is eliminated, and the bill provides
that any fees shall be determined by the Banking
Commissioner.