# Commercial Law (GCL)

## Title 12. Credit Regulations

### Subtitle 6. Retail Installment Sales

#### Section 12-616

(a) If the holder does not pay out to a public official the full amount charged to the buyer for filing and recording instruments, the buyer shall receive credit for the amount so charged to him and not paid out.

(b) The holder shall credit the amount of the overcharge against the last installment or installments under the agreement.

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