# Commercial Law (GCL)

## Title 14. Miscellaneous Consumer Protection Provisions

### Subtitle 17. Denial of Credit -- Disclosure

#### Section 14-1701

(a) In this subtitle the following terms have the meanings indicated.

(b)

  (1) "Adverse action" means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested.

  (2) "Adverse action" does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit.

(c) "File" means file as defined in Sec. 14-1201(h) of this title.

(d) "Lender" or "credit grantor" means:

  (1) Any lender or credit grantor regulated under Title 12 of this article; or

  (2) A credit union making a loan under Sec. 6-601(e) of the Financial Institutions Article.

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