# Commercial Law (GCL)

## Title 12. Credit Regulations

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

#### Section 12-1302

(a) This subtitle applies to any lender that makes a mortgage loan secured by owner-occupied residential real property located in the State.

(b) This subtitle does not apply to:

  (1) A secondary mortgage loan;

  (2) An open-end or revolving home equity line of credit;

  (3) A construction loan;

  (4) An individual who takes back a deferred purchase money mortgage in connection with the sale of residential real property owned by, and titled in the name of, the individual; or

  (5) An individual who makes a mortgage loan to a borrower who is the individual's spouse, child, child's spouse, parent, sibling, grandparent, grandchild, or grandchild's spouse.

---

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