# Commercial Law (GCL)

## Title 12. Credit Regulations

### Subtitle 12. Reverse Mortgage Loans Act

#### Section 12-1204

(a) Except as otherwise provided in this subtitle, a lender that offers or makes a reverse mortgage loan secured by a dwelling in the State shall conform to the requirements of 12 U.S.C. Sec. 1715z-20, and any regulations and guidance adopted under 12 U.S.C. Sec. 1715z-20, regardless of whether the reverse mortgage loan is insured under 12 U.S.C. Sec. 1715z-20.

(b) Except as otherwise provided in this subtitle, an arranger of financing that aids or assists, or offers to aid or assist, a borrower in obtaining a reverse mortgage loan secured by a dwelling in the State shall conform to the requirements of 12 U.S.C. Sec. 1715z-20, and any regulations and guidance adopted under 12 U.S.C. Sec. 1715z-20, regardless of whether the reverse mortgage loan is insured under 12 U.S.C. Sec. 1715z-20.

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