Bank Holidays

Bank Holiday
​New Year's Day
Martin Luther King, Jr. Day
President's Day
Memorial Day
Juneteenth
Independence Day
Labor Day
Columbus Day
Veterans Day
Thanksgiving
Christmas Day

​2025
Wednesday, January 1
Monday, January 20
Monday, February 17
Monday, May 26
Thursday, June 19
Friday, July 4
Monday, September 1
Monday, ​October 13
Tuesday, November 11
Thursday, November 27
Thursday, December 25

​2026
Thursday, January 1
Monday, January 19
Monday, February 16
Monday, May 25
​Friday, June 19
Saturday, July 4*
Monday, September 7
Monday, October 12
Wednesday, November 11
Thursday, November 26
Friday, December 25

* ​Saturday
** Sunday

Emergency Closing Procedure​

The Maryland reporting process for financial institutions that close is updated. Specifically, the Governor's website now has a portal for financial institutions that close for emergency to document the reporting of the closing. Below is the section of the Office of the Commissioner of Financial Regulation (OCFR) Emergency Preparedness Guide that is updated. This is also on the OCFR website

If it is necessary to completely close your institution due to an emergency, Maryland law requires that you notify the Governor's Office within 24 hours of closing.*  

Completing the online Financial Institutions Portal form satisfies this requirement. Ensure phone contacts are cell phone numbers where decision makers can be reached during the emergency.

Please also email Deputy Commissioner Teresa M. Louro at [email protected] and Assistant Commissioner Michelle Denoncourt at [email protected] with notification of the closure.

If you are unable to access the Governor's Financial Institutions portal, please call the Governor's Office at 410-974-3901, and call at least one of the following individuals.

Antonio P. Salazar, Commissioner
410-230-6361
[email protected]

Teresa M. Louro, Deputy Commissioner
410-230-6022 | 410-446-1990
[email protected]

Michelle Denoncourt, Assistant Commissioner
410-230-6104 | 443-758-6344
[email protected]
 
*The requirement to notify the Governor's Office only applies if you close your entire institution. If you have one or more branches still operating, you only need to notify the OCFR.

Read the OCFR Maryland Emergency Preparedness Guide

The law addressing emergency closing procedures for state-chartered institutions is (MD Code Ann., Fin. Inst § 5-707) and for national banks and federally-chartered institutions (12 USC § 95(b)(1) and 12 CFR § 7.3000(b)). The Office of the Controller of the Currency (OCC) reminds management of national banks and federally-chartered institutions 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 and are encouraged to consult OCC Bulletin 2012-28, Supervisory Guidance on Natural Disasters and Other Emergency Conditions. 

State-chartered institutions:  Should the chairman of the board of directors or the president of the institution decide that an emergency exists and that one or all of the institution's locations are to close, our members are to follow the procedures outlined in Maryland law, including notifying Maryland Governor Larry Hogan within 24 hours of the closing.  You may easily transmit your notice through the Governor’s website at http://www.gov.state.md.us/mail/.  Please insert "Notice of Emergency Bank Closing" in the subject line.  Although not required by statute, any bank that closes one or more branches on an emergency basis is requested to email Maryland Commissioner of Financial Regulation Tony Salazar ([email protected]), as well as Teresa Louro ([email protected]) and Marcia Ryan ( [email protected]) in the Office of the Commissioner regarding the closing.  

Read State of Maryland Department of Labor, Licensing and Regulation (DLLR), Office of the Commissioner of Financial Regulation, Emergency Preparedness Guide for Maryland-Charter Banks and Trust Companies.​