# Commercial Law (GCL)

## Title 12. Credit Regulations

### Subtitle 1. Interest and Usury

#### Section 12-113

(a) Except as provided in subsection (b) of this section, a lender may not refuse to lend money to any person solely because of:

  (1) Geographic area or neighborhood; or

  (2) Race, creed, color, age, sex, sexual orientation, gender identity, disability, marital status, handicap, or national origin.

(b) A lender may refuse to make a loan:

  (1) On property outside a geographic area of the State in which the lender normally does business;

  (2) To be used in a type of business or activity other than a type in connection with which the lender normally makes loans; or

  (3) Because of a greater than normal risk, including one due to:

    (i) The presence of an airport;

    (ii) An unusual drainage condition; or

    (iii) Any other situation which causes a greater than normal risk of loss in a particular area.

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Md. Code Ann., Com. Law (as displayed at mgaleg.maryland.gov, October 16, 2026)