# Commercial Law (GCL)

## Title 14. Miscellaneous Consumer Protection Provisions

### Subtitle 38. Refund Anticipation Loans and Checks

#### Section 14-3807

(a) A violation of this subtitle is:

  (1) An unfair or deceptive trade practice within the meaning of Title 13 of this article; and

  (2) Subject to the enforcement and penalty provisions contained in Title 13 of this article.

(b) In addition to the remedies provided under Title 13 of this article, a facilitator who willfully fails to comply with any provision of this subtitle is liable to the consumer for:

  (1) Actual and consequential damages;

  (2) Statutory damages in the amount of $1,000; and

  (3) Reasonable attorney's fees and costs.

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