# Commercial Law (GCL)

## Title 12. Credit Regulations

### Subtitle 13. Mortgage Loans -- Notice of Housing Counseling Programs and Services

#### Section 12-1301

(a) In this subtitle the following words have the meanings indicated.

(b) "Borrower" has the meaning stated in Sec. 11-501 of the Financial Institutions Article.

(c) "Home buyer education or housing counseling" means instruction on preparing for home ownership, shopping for a home, obtaining a mortgage, loan closing, and life as a homeowner.

(d) "Lender" means a person that makes a mortgage loan.

(e) "Mortgage loan" has the meaning stated in Sec. 11-501 of the Financial Institutions Article.

(f) "Secondary mortgage loan" means a mortgage loan secured by residential real property that is subject to the lien of one or more prior mortgage loans.

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