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aria-expanded="false" aria-haspopup="true" id='flsearchform'></a> <form method="get" role="search" aria-label="Search" action="https://www.mlsc.org/" title="Type and press Enter to search."> <input type="search" class="fl-search-input form-control" name="s" placeholder="Search" value="" aria-labelledby="flsearchform" /> </form> </div> </div> </nav> </div> </div> </div> </div> </div> </header> <div id="fl-main-content" class="fl-page-content" itemprop="mainContentOfPage" role="main"> <div class="fl-content-full container"> <div class="row"> <div class="fl-content col-md-12"> <article class="fl-post post-248 page type-page status-publish hentry" id="fl-post-248" itemscope="itemscope" itemtype="https://schema.org/CreativeWork"> <div class="fl-post-content clearfix" itemprop="text"> <div class="fl-builder-content fl-builder-content-248 fl-builder-content-primary fl-builder-global-templates-locked" data-post-id="248"><div class="fl-row fl-row-full-width fl-row-bg-parallax fl-node-5e347dc99e8fe fl-row-default-height fl-row-align-center" data-node="5e347dc99e8fe" data-parallax-speed="2" data-parallax-image="https://www.mlsc.org/wp-content/uploads/iStock-92048366-e1583334774488.jpg"> <div class="fl-row-content-wrap"> <div class="fl-row-content fl-row-fixed-width fl-node-content"> <div class="fl-col-group fl-node-5e347dc99e901" data-node="5e347dc99e901"> <div class="fl-col fl-node-5e347dc99e902 fl-col-bg-color" data-node="5e347dc99e902"> <div class="fl-col-content fl-node-content"><div class="fl-module fl-module-heading fl-node-5e347dc99e903" data-node="5e347dc99e903"> <div class="fl-module-content fl-node-content"> <h1 class="fl-heading"> <span class="fl-heading-text">IOLTA for Financial Institutions</span> </h1> </div> </div> </div> </div> </div> </div> </div> </div> <div class="fl-row fl-row-fixed-width fl-row-bg-none fl-node-5e347dc99e904 fl-row-default-height fl-row-align-center" data-node="5e347dc99e904"> <div class="fl-row-content-wrap"> <div class="fl-row-content fl-row-fixed-width fl-node-content"> <div class="fl-col-group fl-node-5e347dc99e905 fl-col-group-custom-width" data-node="5e347dc99e905"> <div class="fl-col fl-node-5e347dc99e906 fl-col-bg-color" data-node="5e347dc99e906"> <div class="fl-col-content fl-node-content"><div class="fl-module fl-module-rich-text fl-node-5e347dc99e909" data-node="5e347dc99e909"> <div class="fl-module-content fl-node-content"> <div class="fl-rich-text"> <h2>Guide</h2> <p>MLSC has created a manual entitled <a href="https://www.mlsc.org/wp-content/uploads/Guide-to-the-IOLTA-Program-for-Financial-Institutions-2.22.pdf" target="_blank" rel="noopener">A Guide to the IOLTA Program for Financial Institutions</a> to explain IOLTA to those financial institutions offering these accounts for attorneys. Some of the topics include:</p> <ul> <li>Enrollment</li> <li>Account Establishment or Conversion</li> <li>Remittance to MLSC</li> <li>Reporting Requirements</li> <li>Use of Taxpayer Identification Number</li> </ul> <h2>Enrollment</h2> <p>Before establishing IOLTA accounts, a financial institution must enter into an agreement with MLSC assuring that all requirements will be met and must be approved by the Attorney Grievance Commission. To establish IOLTA accounts, attorneys should complete the Notice of New Maryland IOLTA Account form, which financial institutions then submit with their next monthly or quarterly remittance report. All IOLTA accounts bear MLSC’s tax identification number (52-1266744). Please see the following forms:</p> <ul> <li><a href="https://www.mlsc.org/wp-content/uploads/FI-Compliance-Agreement-Dec-2024.pdf">Financial Institution Letter of Agreement</a> (updated 2024)</li> <li><a href="https://www.mlsc.org/wp-content/uploads/IOLTA-Addendum-FINAL-May-2023.pdf">IOLTA Addendum to Financial Institution Letter of Agreement</a></li> <li><a href="https://www.mlsc.org/wp-content/uploads/MLSC-New-IOLTA-Account-Enrollment-Form-2.22.pdf" target="_blank" rel="noopener">New IOLTA Account Enrollment for Attorneys</a></li> </ul> <p><strong><br /> IOLTA Honor Roll</strong></p> <p>By enrolling as an Honor Roll institution, your organization is going above and beyond in support of civil legal services for low-income Marylanders and will receive special recognition from MLSC and the Maryland State Bar Association. <a href="https://www.mlsc.org/iolta/iolta-honor-roll/">Learn more about the Honor Roll</a> and see the following form:</p> <ul> <li><a href="https://www.mlsc.org/wp-content/uploads/HonorRollForm.9-2016.pdf" target="_blank" rel="noopener">Honor Roll Enrollment Form</a></li> </ul> <h2>Remitting & Reporting IOLTA Funds</h2> <p><strong>Remitting Funds</strong></p> <p>Remittance payments are sent directly to MLSC’s depository bank by ACH <strong>ONLY</strong>. Please contact the MLSC office at 410-576-9494 for instructions.</p> <p><strong>Reports</strong></p> <p>Remittance reports are sent directly to MLSC via email. Also, for each monthly/quarterly remittance period, any Notice of New Maryland IOLTA Account/IOLTA Enrollment Forms should be submitted to MLSC for each new account.</p> <p>A monthly or quarterly remittance report should be prepared showing:</p> <ul> <li>Name of the lawyer or law firm for whom the remittance is sent</li> <li>Account number</li> <li>Average collected period balance (monthly or quarterly)</li> <li>Rate of interest applied</li> <li>Gross interest</li> <li>Any service charges assessed</li> <li>Net amount remitted for the account</li> <li>Totals for all numeric columns</li> </ul> <p>Please <a href="https://www.mlsc.org/wp-content/uploads/IOLTA-Remittance-Form.xls">click here to download the Remittance Report</a>, which must be submitted in Excel or CSV format. If submitting as CSV, please see these <a href="https://www.mlsc.org/wp-content/uploads/IOLTA-CSV-Export-specifications.doc">formatting specifications</a>.</p> <p>If you have questions about IOLTA, please review the below FAQs and <a href="https://www.mlsc.org/about-us/contact/">contact us</a>.</p> <h2>FAQs for Financial Institutions</h2> </div> </div> </div> <div class="fl-module fl-module-accordion fl-node-5e3480094ae43" data-node="5e3480094ae43"> <div class="fl-module-content fl-node-content"> <div class="fl-accordion fl-accordion-small fl-accordion-collapse"> <div class="fl-accordion-item "> <div class="fl-accordion-button" id="fl-accordion-5e3480094ae43-tab-0" aria-controls="fl-accordion-5e3480094ae43-panel-0" tabindex="0"> <a href="#" id="fl-accordion-5e3480094ae43-label-0" class="fl-accordion-button-label" tabindex="0" aria-controls="fl-accordion-5e3480094ae43-panel-0">Q: Do all lawyers have to establish an IOLTA account?</a> <a href="#" id="fl-accordion-5e3480094ae43-icon-0" class="fl-accordion-button-icon" tabindex="-1"><i class="fl-accordion-button-icon fl-accordion-button-icon-right fas fa-plus" title="Expand"><span class="sr-only">Expand</span></i></a> </div> <div class="fl-accordion-content fl-clearfix" id="fl-accordion-5e3480094ae43-panel-0" aria-labelledby="fl-accordion-5e3480094ae43-tab-0" aria-hidden="true"> <p>A. No. All lawyers must comply with Maryland’s IOLTA law, but compliance does not necessarily require having an IOLTA account. Maryland’s mandatory IOLTA program requires all Maryland attorneys holding qualified client funds (i.e., funds that are nominal in amount or funds that will not be held for long enough to generate net interest for the individual client) to establish an IOLTA account. Thus, not every lawyer’s trust account will be an IOLTA account.</p> <p>For example, if the deposit is large enough and/or will be held long enough to generate net interest for the client, the attorney should hold those trust funds in a separate interest-bearing account for the individual client. Also, a lawyer holding IOLTA-eligible funds may request a waiver from participation in the IOLTA program if the bank assesses allowable reasonable fees on the account and the lawyer believes that such fees will consistently exceed interest earned on the account. A general guideline is that if the escrow account has an average monthly balance below $3,500 and the bank assesses fees against IOLTA interest, the attorney should request a waiver of participation and instead open a pooled non-interest-bearing escrow account to hold these nominal and short-term funds. Lawyers and law firms — not financial institutions — have the responsibility for deciding which accounts they must have and what is deposited in each.</p> </div> </div> <div class="fl-accordion-item "> <div class="fl-accordion-button" id="fl-accordion-5e3480094ae43-tab-1" aria-controls="fl-accordion-5e3480094ae43-panel-1" tabindex="0"> <a href="#" id="fl-accordion-5e3480094ae43-label-1" class="fl-accordion-button-label" tabindex="0" aria-controls="fl-accordion-5e3480094ae43-panel-1">Q: Are there eligibility requirements for financial institutions to participate in the IOLTA program?</a> <a href="#" id="fl-accordion-5e3480094ae43-icon-1" class="fl-accordion-button-icon" tabindex="-1"><i class="fl-accordion-button-icon fl-accordion-button-icon-right fas fa-plus" title="Expand"><span class="sr-only">Expand</span></i></a> </div> <div class="fl-accordion-content fl-clearfix" id="fl-accordion-5e3480094ae43-panel-1" aria-labelledby="fl-accordion-5e3480094ae43-tab-1" aria-hidden="true"> <p>A: Yes. Participation in IOLTA is voluntary for financial institutions, but a lawyer cannot keep attorney escrow funds in financial institutions unless the financial institution has been approved by the Attorney Grievance Commission to hold such funds pursuant to Maryland Rules of Procedure, Title 19, Chapter 400, governing attorney trust accounts. Banks, credit unions, trust companies, savings banks, or savings and loan associations authorized by law to do business in Maryland, in the District of Columbia, or a state contiguous to Maryland, which are insured by an agency or instrumentality of the federal government may apply to become an “approved financial institution.” (Rule 19-402(g)).</p> <p>The Rule requires, among other things, that participating financial institutions pay IOLTA accounts no less than the highest interest rate generally available to the financial institution’s own non-IOLTA customers when the IOLTA account meets the same minimum balance or other eligibility requirements (Rule 19-411(b)(1)(D)).</p> </div> </div> <div class="fl-accordion-item "> <div class="fl-accordion-button" id="fl-accordion-5e3480094ae43-tab-2" aria-controls="fl-accordion-5e3480094ae43-panel-2" tabindex="0"> <a href="#" id="fl-accordion-5e3480094ae43-label-2" class="fl-accordion-button-label" tabindex="0" aria-controls="fl-accordion-5e3480094ae43-panel-2">Q: What are the steps that a bank needs to take to participate in the IOLTA program?</a> <a href="#" id="fl-accordion-5e3480094ae43-icon-2" class="fl-accordion-button-icon" tabindex="-1"><i class="fl-accordion-button-icon fl-accordion-button-icon-right fas fa-plus" title="Expand"><span class="sr-only">Expand</span></i></a> </div> <div class="fl-accordion-content fl-clearfix" id="fl-accordion-5e3480094ae43-panel-2" aria-labelledby="fl-accordion-5e3480094ae43-tab-2" aria-hidden="true"> <p>A: A bank must be approved to hold client trust funds by the Attorney Grievance Commission in order to participate in the IOLTA program. If your financial institution has not yet been approved to hold escrow funds, you must submit a completed <a href="https://www.mlsc.org/wp-content/uploads/IOLTA-Agmt-and-Add-REV-8-2016.pdf" target="_blank" rel="noopener">Financial Institution Letter of Agreement with IOLTA Addendum</a>. The IOLTA Addendum informs us how your financial institution will implement the interest rate provisions of the Rule. It will be carefully reviewed by MLSC along with any additional supporting documentation that may be required, depending on the implementation method you choose. Once MLSC has certified your financial institution’s compliance with IOLTA, it will submit your application to the Maryland Attorney Grievance Commission for approval. Once you are approved, a fully executed copy of the Financial Institution Compliance Agreement will be sent to you.</p> </div> </div> <div class="fl-accordion-item "> <div class="fl-accordion-button" id="fl-accordion-5e3480094ae43-tab-3" aria-controls="fl-accordion-5e3480094ae43-panel-3" tabindex="0"> <a href="#" id="fl-accordion-5e3480094ae43-label-3" class="fl-accordion-button-label" tabindex="0" aria-controls="fl-accordion-5e3480094ae43-panel-3">Q: What must an attorney do to open an IOLTA account?</a> <a href="#" id="fl-accordion-5e3480094ae43-icon-3" class="fl-accordion-button-icon" tabindex="-1"><i class="fl-accordion-button-icon fl-accordion-button-icon-right fas fa-plus" title="Expand"><span class="sr-only">Expand</span></i></a> </div> <div class="fl-accordion-content fl-clearfix" id="fl-accordion-5e3480094ae43-panel-3" aria-labelledby="fl-accordion-5e3480094ae43-tab-3" aria-hidden="true"> <p>A: The mechanics of establishing an IOLTA account are simple. All that is required is filling out the <a href="https://www.mlsc.org/wp-content/uploads/Enrollment.NewAccount.11-2017.pdf" target="_blank" rel="noopener">New IOLTA Account Enrollment for Attorneys</a> and submitting it to an approved IOLTA financial institution. At that time, the financial institution will establish an IOLTA account, according to its own procedures, with interest payable to MLSC. The financial institution will submit a copy of the enrollment form to MLSC with its next remittance report.</p> </div> </div> <div class="fl-accordion-item "> <div class="fl-accordion-button" id="fl-accordion-5e3480094ae43-tab-4" aria-controls="fl-accordion-5e3480094ae43-panel-4" tabindex="0"> <a href="#" id="fl-accordion-5e3480094ae43-label-4" class="fl-accordion-button-label" tabindex="0" aria-controls="fl-accordion-5e3480094ae43-panel-4">Q: Is there a special title designation for an IOLTA account?</a> <a href="#" id="fl-accordion-5e3480094ae43-icon-4" class="fl-accordion-button-icon" tabindex="-1"><i class="fl-accordion-button-icon fl-accordion-button-icon-right fas fa-plus" title="Expand"><span class="sr-only">Expand</span></i></a> </div> <div class="fl-accordion-content fl-clearfix" id="fl-accordion-5e3480094ae43-panel-4" aria-labelledby="fl-accordion-5e3480094ae43-tab-4" aria-hidden="true"> <p>A: Maryland Rules of Procedure, Section 19-406 authorizes only three designations for attorney trust accounts – “Attorney Trust Account,” “Attorney Escrow Account,” or “Clients’ Funds Account.” This requirement applies to all IOLTA accounts. It is important, however, that IOLTA accounts be identified in such a way as to be easily recognized by financial institution personnel.</p> </div> </div> <div class="fl-accordion-item "> <div class="fl-accordion-button" id="fl-accordion-5e3480094ae43-tab-5" aria-controls="fl-accordion-5e3480094ae43-panel-5" tabindex="0"> <a href="#" id="fl-accordion-5e3480094ae43-label-5" class="fl-accordion-button-label" tabindex="0" aria-controls="fl-accordion-5e3480094ae43-panel-5">Q: Are there any special characteristics required of IOLTA accounts?</a> <a href="#" id="fl-accordion-5e3480094ae43-icon-5" class="fl-accordion-button-icon" tabindex="-1"><i class="fl-accordion-button-icon fl-accordion-button-icon-right fas fa-plus" title="Expand"><span class="sr-only">Expand</span></i></a> </div> <div class="fl-accordion-content fl-clearfix" id="fl-accordion-5e3480094ae43-panel-5" aria-labelledby="fl-accordion-5e3480094ae43-tab-5" aria-hidden="true"> <p>A: Account funds must be subject to withdrawal or transfer upon request and without delay, or as soon as permitted by law. The rate of interest payable on the account shall not be less than the rate paid by the financial institution to its regular depositors with similarly situated accounts. Account service charges assessed against IOLTA interest, if any, must fall within the definition of “allowable reasonable fees” defined in MD Rule 19-411. See the <a href="https://mlsc.org/wp-content/uploads/2016/09/Financial.Guide_.9-2016.pdf">Guide</a>, page 5 for additional details on interest rates and service charges.</p> </div> </div> <div class="fl-accordion-item "> <div class="fl-accordion-button" id="fl-accordion-5e3480094ae43-tab-6" aria-controls="fl-accordion-5e3480094ae43-panel-6" tabindex="0"> <a href="#" id="fl-accordion-5e3480094ae43-label-6" class="fl-accordion-button-label" tabindex="0" aria-controls="fl-accordion-5e3480094ae43-panel-6">Q: What are the tax consequences?</a> <a href="#" id="fl-accordion-5e3480094ae43-icon-6" class="fl-accordion-button-icon" tabindex="-1"><i class="fl-accordion-button-icon fl-accordion-button-icon-right fas fa-plus" title="Expand"><span class="sr-only">Expand</span></i></a> </div> <div class="fl-accordion-content fl-clearfix" id="fl-accordion-5e3480094ae43-panel-6" aria-labelledby="fl-accordion-5e3480094ae43-tab-6" aria-hidden="true"> <p>A: None. The Internal Revenue Service has ruled that there are no tax consequences to the client, the lawyer or MLSC. Also, there are no IRS reporting requirements for the lawyer, financial institutions or client since all IOLTA accounts will use the tax identification number of MLSC (52-1266744).</p> </div> </div> <div class="fl-accordion-item "> <div class="fl-accordion-button" id="fl-accordion-5e3480094ae43-tab-7" aria-controls="fl-accordion-5e3480094ae43-panel-7" tabindex="0"> <a href="#" id="fl-accordion-5e3480094ae43-label-7" class="fl-accordion-button-label" tabindex="0" aria-controls="fl-accordion-5e3480094ae43-panel-7">Q: Is it necessary to prepare IRS Form 1099 for pooled IOLTA accounts?</a> <a href="#" id="fl-accordion-5e3480094ae43-icon-7" class="fl-accordion-button-icon" tabindex="-1"><i class="fl-accordion-button-icon fl-accordion-button-icon-right fas fa-plus" title="Expand"><span class="sr-only">Expand</span></i></a> </div> <div class="fl-accordion-content fl-clearfix" id="fl-accordion-5e3480094ae43-panel-7" aria-labelledby="fl-accordion-5e3480094ae43-tab-7" aria-hidden="true"> <p>A: No. Since MLSC is a 501(c)(3) charitable organization, the IRS has advised that a financial institution does not need to report interest income generated by a pooled IOLTA account. In fact, in order to minimize administrative problems, a Form 1099 should not be prepared on these accounts. If for some reason it is necessary to prepare the form, MLSC should be shown as the recipient of the interest (tax ID number 52-1266744), and the form should be mailed directly to MLSC. The attorney or law firm’s tax ID number should never be used.</p> </div> </div> <div class="fl-accordion-item "> <div class="fl-accordion-button" id="fl-accordion-5e3480094ae43-tab-8" aria-controls="fl-accordion-5e3480094ae43-panel-8" tabindex="0"> <a href="#" id="fl-accordion-5e3480094ae43-label-8" class="fl-accordion-button-label" tabindex="0" aria-controls="fl-accordion-5e3480094ae43-panel-8">Q: Does IOLTA bring in new business?</a> <a href="#" id="fl-accordion-5e3480094ae43-icon-8" class="fl-accordion-button-icon" tabindex="-1"><i class="fl-accordion-button-icon fl-accordion-button-icon-right fas fa-plus" title="Expand"><span class="sr-only">Expand</span></i></a> </div> <div class="fl-accordion-content fl-clearfix" id="fl-accordion-5e3480094ae43-panel-8" aria-labelledby="fl-accordion-5e3480094ae43-tab-8" aria-hidden="true"> <p>A: Yes. Attorneys holding IOLTA-eligible funds are required to establish IOLTA accounts and will seek banks offering this product. Also, experience has shown that financial institution participation in Maryland’s <a href="https://www.mlsc.org/iolta/iolta-honor-roll/">IOLTA Honor Roll</a> program attracts new attorney business. Attorneys are excellent sources of referral business, including loans, deposits and trust services.</p> </div> </div> <div class="fl-accordion-item "> <div class="fl-accordion-button" id="fl-accordion-5e3480094ae43-tab-9" aria-controls="fl-accordion-5e3480094ae43-panel-9" tabindex="0"> <a href="#" id="fl-accordion-5e3480094ae43-label-9" class="fl-accordion-button-label" tabindex="0" aria-controls="fl-accordion-5e3480094ae43-panel-9">Q: What is the IOLTA Honor Roll and must my financial institution be a member to offer IOLTA?</a> <a href="#" id="fl-accordion-5e3480094ae43-icon-9" class="fl-accordion-button-icon" tabindex="-1"><i class="fl-accordion-button-icon fl-accordion-button-icon-right fas fa-plus" title="Expand"><span class="sr-only">Expand</span></i></a> </div> <div class="fl-accordion-content fl-clearfix" id="fl-accordion-5e3480094ae43-panel-9" aria-labelledby="fl-accordion-5e3480094ae43-tab-9" aria-hidden="true"> <p>A: The IOLTA Honor Roll is a joint program of MLSC and the Maryland State Bar Association to encourage financial institutions to pay premium rates on IOLTA accounts. A financial institution is not required to join the Honor Roll, but such participation is strongly encouraged to assist in IOLTA’s charitable purposes. Honor Roll members are actively promoted to attorneys in a variety of ways, and participation is an excellent way for financial institutions to attract new attorney and law firm clients. Additionally, MLSC will provide a Community Reinvestment Act statement verifying your participation in this important program and provide other public recognition and promotion as appropriate. <a href="https://www.mlsc.org/iolta/iolta-honor-roll/">Learn more about the Honor Roll</a>.</p> </div> </div> </div> </div> </div> </div> </div> <div class="fl-col fl-node-5e347dc99e907 fl-col-bg-color fl-col-small fl-col-small-custom-width" data-node="5e347dc99e907"> <div class="fl-col-content fl-node-content"><div class="fl-module fl-module-heading fl-node-5e6fc78c3347c" data-node="5e6fc78c3347c"> <div class="fl-module-content fl-node-content"> <h3 class="fl-heading"> <span class="fl-heading-text">IOLTA</span> </h3> </div> </div> <div class="fl-module fl-module-menu fl-node-5e6fc7a399f60" data-node="5e6fc7a399f60"> <div class="fl-module-content fl-node-content"> <div class="fl-menu fl-menu-responsive-toggle-mobile"> <button class="fl-menu-mobile-toggle hamburger" aria-label="IOLTA"><span 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