<?xml version='1.0' encoding='utf-8'?>
<section article="gfi" article_name="Financial Institutions" number="12-1016" title_number="12" title_name="Miscellaneous Institutions and Activities" subtitle_number="10" subtitle_name="Maryland Debt Settlement Services Act">
  <text>A violation of this subtitle is:</text>
  <level label="1">
    <text>An unfair or deceptive trade practice within the meaning of Title 13 of the Commercial Law Article; and</text>
  </level>
  <level label="2">
    <text>Subject to the enforcement and penalty provisions of Title 13 of the Commercial Law Article.</text>
  </level>
</section>
