# Commercial Law (GCL)

## Title 12. Credit Regulations

### Subtitle 3. Consumer Loans -- Credit Provisions

#### Section 12-307

(a) At the time a loan is made, a lender may collect from the borrower:

  (1) As to any item of the total property that secures a loan:

    (i) The fees paid to a public official or governmental agency for recording or satisfying a mortgage, encumbrance, or lien on any property securing the loan; or

    (ii) An equal or lesser amount for nonfiling insurance premium on any property, or portion of the property, that is not recorded if:

      (1) The Insurance Commissioner approves the rates; and

      (2) A commission is not paid on the policy; and

  (2) The title insurance premiums or reasonable attorney's fees paid for searching and insuring the title to any real property securing the loan.

(b) A lender may collect from the borrower a fee not exceeding $15 if payment is made with a check that is dishonored on the second presentment.

---

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