To be eligible for a loan under this subtitle, an applicant shall: Be in substantial compliance with all State and federal laws and regulations governing the installation, operation, and use of underground storage tanks; and Submit a completed loan processing form to the Department on or before June 30, 1998. A loan under this subtitle may not be provided to upgrade or replace any underground storage tank that was not registered with the Department as provided in § 4-411.1 of this title on or before July 1, 1991, unless the Secretary determines that special circumstances exist.