Maryland · Maryland Code — Transportation Article
Md. Code, Transp. § 13-202: (a) Unless excepted by § 13-201 of this subtitle, a security interest in a vehicle is not valid against any creditor of the owner or any subsequent transferee or secured party unless the security interest is perfected as provided in this subtitle
What this law says, in plain English
A security interest in a vehicle is valid only if perfected by delivering the certificate of title and application to the Administration and paying the required filing fee. Perfection occurs at delivery and payment.
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