# Financial Institutions (GFI)

## Title 11. Consumer Credit

### Subtitle 5. Maryland Mortgage Lender Law

#### Section 11-504

A person may not act as a mortgage lender unless the person is:

(1) A licensee; or

(2) A person exempted from licensing under this subtitle.

---

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