Two key proposals to combat the state?s foreclosure crisis are headed to Gov. Martin O?Malley?s desk after receiving final approval from Maryland legislators Wednesday.

The state Senate cleared proposals establishing mortgage fraud as a crime and banning foreclosure “rescue transactions,” often scams in which homeowners are persuaded into signing over their residences to third parties for debt relief. Identical versions already have won House approval, and O?Malley ? who proposedthe legislation ? is expected to sign both into law.

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