In this subtitle the following terms have the meanings indicated. “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. “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. “File” means file as defined in § 14–1201(h) of this title. “Lender” or “credit grantor” means: Any lender or credit grantor regulated under Title 12 of this article; or A credit union making a loan under § 6–601(e) of the Financial Institutions Article.