HARRELL, J.
The United States Bankruptcy Court for the District of Maryland certified, and this Court accepted, four questions pertaining to Maryland Code (1974, 2010 Repl.Vol.), Real Property Article, § 4-109.
The Franciscan friar William of Occam commended—transposed to modern syntax—that "the simplest of competing theories [is] preferred to the more complex...." Merriam-Webster Dictionary Online, http://www.merriam-webster.com/ dictionary-tb/occam's+razor (last visited 18 July 2011). William of Occam's wisdom supplies yet another reason why, in cases of statutory construction, the plain language of a statute is the first tool for which we reach. Invoking "Occam's razor" here, we hold that—pursuant to the
According to Md.Code (1974, 2006 Repl.Vol.), Courts and Judicial Proceedings Article, § 12-606, this Court, in answering certified questions, is bound by the facts set forth in the certification order. Piselli v. 75th St. Med., 371 Md. 188, 202, 808 A.2d 508, 516 (2002). The Bankruptcy Court provided the following factual statement in the certification order:
The following four questions were certified by the Bankruptcy Court and accepted by this Court for review:
We hold that § 4-109 is unambiguous, curing the type of defects identified by the trustees, i.e., missing or improper affidavits or acknowledgments, unless a timely judicial challenge is mounted. The legislative history surrounding the enactment of
The goal in statutory interpretation is to divine the intent of the Legislature. See Kortobi v. Kass, 410 Md. 168, 176-77, 978 A.2d 247, 252 (2009). In this endeavor, we turn initially (and often only) to the plain language of the statute; if the Legislature resolved the present dispute through the plain words of the statute, we are not obliged to consult other sources of legislative history. See Price v. State, 378 Md. 378, 387, 835 A.2d 1221, 1226 (2003) ("[A]ll statutory interpretation begins, and usually ends, with the statutory text itself..., for the legislative intent of a statute primarily reveals itself through the statute's very words ...." (citations omitted)). We are not free to disregard clear statutory instructions and rely instead upon contrary legislative history, even where we disagree with the Legislature as to the "fairest" or "best" disposition of the case. See Stanley v. State, 390 Md. 175, 184, 887 A.2d 1078, 1083 (2005) ("Even if it may be, to us, illogical and irrational, there is no basis for the Court to refuse to give effect to the clear direction of the General Assembly."); Dep't of Motor Vehicles v. Greyhound Corp., 247 Md. 662, 668, 234 A.2d 255, 258 (1967) ("[I]f the legislative intent is expressed in clear and unambiguous language, this will be carried into effect by this Court even if this Court might be of the opinion that the policy of the legislation is unwise, or even harsh or unjust...." (internal quotation marks and citations omitted)). Stated another way, if a plain reading of the statute disposes of the case at hand, our "inquiry as to legislative intent ends; we do not ... resort to the various, and sometimes inconsistent external rules of construction, for `the Legislature is presumed to have meant what it said and said what it meant.'" Arundel Corp. v. Marie, 383 Md. 489, 502, 860 A.2d 886, 894 (2004) (quoting Toler v. Motor Vehicle Admin., 373 Md. 214, 220, 817 A.2d 229, 233 (2003)).
The statute central to the certified questions states that, for instruments recorded on or after January 1, 1973, "any failure to comply with the formal requisites listed in this section has no effect unless it is challenged in a judicial proceeding commenced within six months after it is recorded." § 4-109(b). Section 4-109(c) lists, most helpfully, the "failures in the formal requisites of an instrument" cured by the statute:
(Emphasis added.) Read in accordance with an ordinary understanding of the English language, see Kortobi, 410 Md. at 176, 978 A.2d at 252 ("[O]rdinary, popular understanding of the English language dictates interpretation of [statutory] terminology."), § 4-109(c)(4) identifies four curable defects: (a) a lack of an acknowledgment; (b) a lack of an affidavit of consideration; (c) an improper acknowledgment; and (d) an improper affidavit of consideration.
Before deciding whether § 4-109 applies to cure these defective "formal requisites," we must consider if and when the trustees asserted any relevant judicial challenge—if the trustees challenged the validity of the instruments within the six
The trustees characterize the defects in a fundamental way, describing AP 1 as "completely lack[ing] an affidavit," and AP 2 through 4 as "lack[ing] ... [attestations]... by the secured party."
The deficiencies identified by the trustees, of course, stem from the fact that the affidavits of consideration (and acknowledgments contained therein) are either "lack[ing] ... or improper ...." § 4-109(c)(4). Stated another way, the Legislature chose to define certain defects, including the ones in the present case, as curable after a period of six months. We decline to ignore or unsettle these express statutory instructions. See Fikar v. Montgomery County, 333 Md. 430, 434-35, 635 A.2d 977, 979 (1994) ("[W]here statutory language is plain and free from ambiguity and expresses a definite and sensible meaning, courts are not at liberty to disregard the natural import of words with a view towards making the statute express an intention which is different from its plain meaning." (internal quotation marks and citations omitted)).
With respect to Ameriquest, we faced there an affidavit of consideration/disbursement which "stated [inaccurately] that the money was disbursed not later than the `execution and delivery' of the deed of trust...." Ameriquest, 415 Md. at 669, 4 A.3d at 942 (some internal quotation marks and citation omitted). In fact, "no money [had been] disbursed at the time." Id. (internal quotation marks and citation omitted). We held that, although the affidavit was not true on the date of delivery, there was still substantial compliance with § 4-106 because "the relevant information contained in the affidavit ... was true on the date that the deed of trust was actually recorded ...." Ameriquest, 415 Md. at 675, 4 A.3d at 945 (emphasis added). In reaching our conclusion, we observed that this was "a false affidavit," which "is not a `formal defect' that must be challenged within six months after it is recorded...." Ameriquest, 415 Md. at 672, 4 A.3d at 944.
In the present case, the best argument of falsity in one of the deeds of trust in the consolidated cases occurs in AP 2, where the borrower signed in the place reserved for the affiant agent. We are unconvinced that this is the kind of material or "substantive" falsity with which the statute and Ameriquest was concerned. Indeed, the express language of § 4-109 recognizes that "improper acknowledgments" occur, but resolves that this type of defect does not hamper indefinitely the validity of a deed. The statute does not account, however, for affidavits which misstate seemingly-material facts regarding the execution and distribution of the sworn-to substance of the affidavit, i.e., the consideration, as was the case in Ameriquest. We attribute, as we must, such disparate treatment to the judgment of the Legislature.
In the past, we questioned, seemingly, but only occasionally, the relevance of the plain meaning rule, remarking that "[it] is not absolute," Fikar, 333 Md. at 434, 635 A.2d at 979 (internal quotation marks and citations omitted), and that "we are not limited to the words of the statute as they are printed in the Annotated Code"; rather "[w]e may and often must consider other external manifestations or persuasive evidence, including ... material that fairly bears on the fundamental issue of legislative purpose or goal...." Stapleford Hall Joint Venture v. Hyatt, 330 Md. 388, 400, 624 A.2d 526, 532 (1993) (internal quotation marks and citations omitted). These prescriptive statements, however, do not connote a jettisoning or diminution of the plain meaning rule, or suggest that we may substitute our judgment for that of
Since the mid-1800s, the Legislature passed annual retrospective acts to cure "defective" instruments recorded during the previous year. See Ameriquest, 415 Md. at 670, 4 A.3d at 942-43. Broadly speaking, these curative provisions excused formal deficiencies in an instrument and rendered the instrument valid as to third parties. See Dryfoos v. Hostetter, 268 Md. 396, 404, 302 A.2d 28, 32 (1973). A missing affidavit, however, was not among these curable deficiencies in the beginning—as of 1856, the General Assembly provided that "no mortgage shall be valid except as between the parties thereto unless the affidavit of consideration was evidenced in the mortgage." Stack v. Marney, 252 Md. 43, 48, 248 A.2d 880, 884 (1969) (internal quotation marks omitted). The purpose of this affidavit requirement was to "prevent fraudulent transfers of property upon false or pretended consideration...." Pagenhardt v. Walsh, 250 Md. at 336, 243 A.2d at 496 (internal quotation marks and citation omitted).
The General Assembly seemed to disagree with us and included in the 1971 version of the retrospective curative act an abrogating provision:
Md.Code (1957, 1968 Repl.Vol., 1971 Cum. Supp.), Art. 21, § 99 (emphasis added). With this enactment, the Legislature expanded explicitly the scope of the curative statute, covering affidavits that failed to comply with the appropriate form and abrogating our holding in Pagenhardt. See Dryfoos, 268 Md. at 407, 302 A.2d at 34; Art. 21, § 99. The Legislature, however, made no reference to—and did not add to the curable defects—missing affidavits.
A year later, the General Assembly expanded the scope of the curative statute once again. In 1972, the Legislature reorganized and recodified then Article 21 and, for the first time, enacted a prospective curative statute that obviated the need for annual, retrospective acts. See Ameriquest, 415 Md. at 670, 4 A.3d at 942. Also for the first time, the statute cured both the absence of an affidavit as well as an affidavit that is present, but defective. § 4-109(c)(4).
The trustees argue that applying the curative statute to the particular defects here would "effectively undermine th[e] fundamental principle in Pagenhardt": That an affidavit defective in form (as opposed to content)—like a missing affidavit or an affidavit without all proper acknowledgments—"is regarded ... as a nullity, since it creates no valid lien and cannot be regarded as having put subsequent creditors on constructive notice." Pagenhardt, 250 Md. at 338, 243 A.2d at 498 (acknowledging that a missing affidavit renders a mortgage invalid and deciding that a lack of acknowledgment, by the secured party, also rendered the mortgage invalid); Pagenhardt, 250 Md. at 335, 243 A.2d at 496 ("If the affidavit (of consideration) is lacking or if the affidavit is bad, the mortgage will, as a general rule, have no effect except as between the parties." (internal quotation marks and citation omitted)). As demonstrated previously in this opinion, the Legislature expanded the curative statute over time. Most relevantly, the Legislature chose to make curable certain defects, like those in the present case, including: (a) missing acknowledgments; (b) missing affidavits; (c) improper
The trustees argue that applying the curative statute (and, in particular, § 4-109(c)(4)) as we are doing would be "unreasonable," for it would be a "backdoor abrogation of the affidavit requirement of... § 4-106, which stakes the very validity of a mortgage or deed of trust in this State on the lender or his agent making an oath or affirmation before a notary." We agree that § 4-106 was enacted to prevent fraud. As stated by the Court of Special Appeals:
Berean Bible Chapel, Inc. v. Ponzillo, 28 Md.App. 596, 601, 346 A.2d 702, 705-06 (1975). We disagree, however, that enforcing § 4-109 would be a "backdoor abrogation" of § 4-106. The Court of Special Appeals recognized correctly in Ponzillo that the "[L]egislature could have required or not required an affidavit of consideration or an acknowledgment." 28 Md.App. at 601, 346 A.2d at 706. As such, it was also empowered, through the enactment of a curative statute, to "shorten the time in which subsequent creditors without notice ... may act against property [the title to which was so afflicted]...." Id.
Recording statutes were enacted originally so that "all rights, incumbrances or conveyances, touching or in anywise concerning land, should appear in public records." South Baltimore Harbor & Improv. Co. v. Smith, 85 Md. 537, 544, 37 A. 27, 29 (1897) (internal quotation marks and citation omitted). In adding certain protections, like the affidavit requirement of § 4-106, the Legislature not only defended against fraud, but also furthered the goal of accuracy in public land records. In enacting § 4-109, however, the General Assembly balanced the value of accurate and reliable land records with the importance of promoting confidence in the validity of instruments and the free flow of commerce, unhindered by "formalities." We are not free to upset the plain language of the statute and, in the process, re-weigh the balance so struck.
The trustees contend that, despite the plain language and legislative history, the lack of an affidavit is not cured. They point to Layton v. Petrick, 277 Md. 421, 355 A.2d 466 (1976), a decision issued after the Legislature amended relevantly the curative
Layton, 277 Md. at 426, 355 A.2d at 468 (emphasis added). First, this language is dictum and ought not be granted the same weight as the holding. The trustees aver to the contrary, quoting Schmidt v. Prince George's Hospital, 366 Md. 535, 551, 784 A.2d 1112, 1121 (2001), for the proposition that, "[w]hen a question of law is raised properly by the issues in a case and the Court supplies a deliberate expression of its opinion upon that question, such opinion is not to be regarded as obiter dictum, although the final judgment in the case may be rooted in another point also raised by the record." (Citations omitted.) As the curative act was not at issue in Layton, the question on which Judge Singley expounded was not raised properly before the Court. See Layton, 277 Md. at 426, 355 A.2d at 468 ("In any event, the ... curative act, § 4-109, is by its terms not applicable to a defective grant recorded before 1 January 1973 if the defect, as it was here, is challenged in a judicial proceeding commenced by 1 July 1973."). Second, even if this language was not dictum and we construe the word "thrust" to mean the exclusion of all other purposes, we still do not subscribe to the position that the present curative act is silent as to missing affidavits and acknowledgments, in light of the plain words of the statute.
Of course, sometimes the statutes presented to this Court are simply outdated and do not reflect a legislature that "has ... ducked its law-making responsibility." William D. Popkin, Law-Making Responsibility and Statutory Interpretation, 68 IND. L.J. 865, 878 (1993). A general reluctance to hold the Legislature to its words, however, risks "plac[ing] judges on the slippery slope toward judicial law making, by acknowledging that the plain meaning of the text is not paramount and by requiring courts to identify substantive policies that prevail over the text." Popkin, supra, at 879.