A lender may not accept a tip from a consumer or give a consumer the option to provide a tip. A lender may not directly or indirectly suggest that providing a tip will influence: The lender’s willingness to provide a loan to a consumer at any time; or The terms of any loan offered to the consumer by that lender. A lender who receives a tip may not be found in violation of this subtitle if the lender returns all of the tip within 7 days after receiving the tip. A lender shall prominently disclose that it is prohibited from accepting a tip from a consumer.