This subtitle does not apply to: The following persons when engaged in the regular course of their respective businesses and professions: An attorney at law who is admitted to the Maryland Bar while the attorney at law is providing professional legal services in an attorney–client relationship; An escrow agent; A certified public accountant; A banking institution, other–state bank, national banking association, credit union, or savings and loan association; A person that: Provides a bill payer service, as defined in § 12–401 of this title; Does not initiate any contract with individual creditors of a debtor to compromise a debt or arrange a new payment schedule; and Does not provide any debt counseling services; A person that provides an accelerated mortgage payment service, as defined in § 12–401 of this title; A title insurer, title insurance agency, or abstract company; or A judicial officer or a person acting under a court order; A person while performing services incidental to the dissolution, winding up, or liquidation of a partnership, corporation, or other business enterprise; A trade or mercantile association acting in the course of arranging the adjustment of debts with a business establishment; A mortgage lender, as defined in § 11–501 of this article: That is licensed by the Commissioner; and While engaged in the mortgage lending business, as defined in § 11–501 of this article; or An employee of a mortgage lender; or A collection agency, as defined in § 7–101 of the Business Regulation Article: That is licensed by the State Collection Agency Licensing Board; and While engaged in the collection agency business, as defined in § 7–101 of the Business Regulation Article.