{"ticker":"UNDERWATER","current":{"schema":"tickerz-rule/1","ticker":"UNDERWATER","version":1,"rulebook":"Rulebook v0.2, 2026-10-04","counts":"Notices of Intent to Foreclose sent to Maryland homeowners in a month, all counties and Baltimore City added together, as lenders report them to the state's Office of Financial Regulation. A notice of intent is the letter a homeowner gets at least 45 days before a lender can file to foreclose. Counted from July 2021, the first month of the state's file. The file starts low, 818 in July 2021, and rises after the federal pause on foreclosures of federally backed mortgages ended on July 31 2021 (3,227 in October).","source":{"name":"Maryland Open Data, Maryland Foreclosure Notice Data by County (Office of Financial Regulation), Notices of Intent to Foreclose","url":"https://opendata.maryland.gov/d/w3bc-8mnv","terms":"Maryland's open data portal states no licence for this file. Tickerz prints its own total and links the file."},"query":{"api":"https://opendata.maryland.gov/resource/w3bc-8mnv.json","where":"type='Notice of Intent to Foreclose'","columns":["allegany_county","anne_arundel_county","baltimore_city","baltimore_county","calvert_county","caroline_county","carroll_county","cecil_county","charles_county","dorchester_county","frederick_county","garrett_county","harford_county","howard_county","kent_county","montgomery_county","prince_george_s_county","queen_anne_s_county","st_mary_s_county","somerset_county","talbot_county","washington_county","wicomico_county","worcester_county","blank"],"key":"date"},"transform":"months from 2021-07-01","aggregation":"sum across the columns of the month's one row","cadence":"month","trailing_partial":0,"unit":"notices","decimals":0,"precision":"Whole notices: every county column of the month's Notice of Intent row, added.","revision_policy":"A month prints when the state posts it. Until then it stays open. A month the state never posts is void. A print is never edited: a correction is a new signed report that names the one it corrects.","grade":"display","rights":{"status":"consent_needed","url":"https://opendata.maryland.gov/d/w3bc-8mnv","clause":"The file's licence field is empty and no terms of use for Maryland's open data portal could be found on November 13 2026 (its footer links Contact, Privacy and Accessibility only). The figures are filings reported to a regulator. Settlement on them needs the state's word.","checked":"2026-11-13"},"settleable":false},"hash":"0d094c750a8337c0bc42bd3f9577f007540a04f1a77f6cdeee5cf3e79f487402","canonical":"{\"aggregation\":\"sum across the columns of the month's one row\",\"cadence\":\"month\",\"counts\":\"Notices of Intent to Foreclose sent to Maryland homeowners in a month, all counties and Baltimore City added together, as lenders report them to the state's Office of Financial Regulation. A notice of intent is the letter a homeowner gets at least 45 days before a lender can file to foreclose. Counted from July 2021, the first month of the state's file. The file starts low, 818 in July 2021, and rises after the federal pause on foreclosures of federally backed mortgages ended on July 31 2021 (3,227 in October).\",\"decimals\":0,\"grade\":\"display\",\"precision\":\"Whole notices: every county column of the month's Notice of Intent row, added.\",\"query\":{\"api\":\"https://opendata.maryland.gov/resource/w3bc-8mnv.json\",\"columns\":[\"allegany_county\",\"anne_arundel_county\",\"baltimore_city\",\"baltimore_county\",\"calvert_county\",\"caroline_county\",\"carroll_county\",\"cecil_county\",\"charles_county\",\"dorchester_county\",\"frederick_county\",\"garrett_county\",\"harford_county\",\"howard_county\",\"kent_county\",\"montgomery_county\",\"prince_george_s_county\",\"queen_anne_s_county\",\"st_mary_s_county\",\"somerset_county\",\"talbot_county\",\"washington_county\",\"wicomico_county\",\"worcester_county\",\"blank\"],\"key\":\"date\",\"where\":\"type='Notice of Intent to Foreclose'\"},\"revision_policy\":\"A month prints when the state posts it. Until then it stays open. A month the state never posts is void. A print is never edited: a correction is a new signed report that names the one it corrects.\",\"rights\":{\"checked\":\"2026-11-13\",\"clause\":\"The file's licence field is empty and no terms of use for Maryland's open data portal could be found on November 13 2026 (its footer links Contact, Privacy and Accessibility only). The figures are filings reported to a regulator. Settlement on them needs the state's word.\",\"status\":\"consent_needed\",\"url\":\"https://opendata.maryland.gov/d/w3bc-8mnv\"},\"rulebook\":\"Rulebook v0.2, 2026-10-04\",\"schema\":\"tickerz-rule/1\",\"settleable\":false,\"source\":{\"name\":\"Maryland Open Data, Maryland Foreclosure Notice Data by County (Office of Financial Regulation), Notices of Intent to Foreclose\",\"terms\":\"Maryland's open data portal states no licence for this file. Tickerz prints its own total and links the file.\",\"url\":\"https://opendata.maryland.gov/d/w3bc-8mnv\"},\"ticker\":\"UNDERWATER\",\"trailing_partial\":0,\"transform\":\"months from 2021-07-01\",\"unit\":\"notices\",\"version\":1}","versions":[{"version":1,"from":"2026-11-12"}]}