# Commercial Law (GCL)

## Title 12. Credit Regulations

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

#### Section 12-1304

A lender may not close on a mortgage loan unless the lender has provided to the borrower the notice required under Sec. 12-1303 of this subtitle.

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