Maryland Bank Holiday Schedule:
| January 1, 2010 | New Year's Day |
| January 18, 2010 | Martin Luther King, Jr. Day |
| February 15, 2010 | President's Day |
| May 31, 2010 | Memorial Day |
| July 5, 2010 | Independence Day |
| September 6, 2010 | Labor Day |
| October 11, 2010 | Columbus Day |
| November 11, 2010 | Veterans Day |
| November 25, 2010 | Thanksgiving |
| December 25, 2010 | Christmas |
Emergency Closing Procedures
The law addressing emergency closing procedures for State-chartered institutions is (MD Code Ann., Fin. Inst § 5-707) and for national banks (12 USC § 95(b)(1) and 12 CFR § 7.3000(b)). The Office of the Comptroller of the Currency (OCC) reminds management of national banks that they have the discretion to make individual decisions to remain open or to close in the event of a natural disaster or other emergency.
State-chartered institutions: Should the chairman of the board of directors or the president of the institution decide that an emergency exists, follow the procedures outlined in





