Investments are assets or items acquired for the purpose of generating interest payments, income, or appreciation in value. Real estate, stocks, bonds, options, annuities, mutual funds, cryptocurrencies, artwork, and collectibles are common examples of investments.
In Maryland, investments are regulated by both state and federal laws to protect investors and ensure fair practices. The Maryland Securities Act governs the offering and sale of securities, such as stocks, bonds, and mutual funds, within the state. This Act requires the registration of securities, as well as licensing and oversight of brokers, dealers, and investment advisors. Cryptocurrencies, while relatively new, are subject to federal securities laws and may be regulated by state laws depending on their classification as securities. The Maryland Attorney General's Office, through its Securities Division, enforces securities laws and provides resources for investor education. Real estate investments are regulated under Maryland real estate laws, which cover transactions, disclosures, and licensing of real estate professionals. Other types of investments, like artwork and collectibles, may not be as heavily regulated but are subject to general consumer protection laws. It is important for investors in Maryland to conduct due diligence and consult with an attorney to understand the specific regulations and legal implications of their investment choices.