# Commercial Law (GCL)

## Title 12. Credit Regulations

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

#### Section 12-318

(a) A lender may not accept from any consumer, or give any consumer the option to provide, a tip.

(b) A lender may not directly or indirectly suggest that providing a tip will influence:

  (1) The lender's willingness to provide a loan to a consumer at any time; or

  (2) The terms of any loan offered to the consumer by that lender.

(c) 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.

(d) A lender shall prominently disclose that it is prohibited from accepting a tip from a consumer.

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