In this subtitle the following words have the meanings indicated. “Currency” means currency and coin of the United States or any other country. “Department” means the Maryland Department of Labor. “Financial institution” means: A national banking association; A State banking institution; A credit union that is organized under the laws of this State or of the United States; Any other organization that is organized under the banking laws of the State and subject to the supervision of the Commissioner; A savings and loan association that is organized under the laws of the State or of the United States; or Persons engaged in the business of cashing checks for a fee unless performed incidental to the sale of goods or services. “Financial institution” does not include any person licensed by the Commissioner under Title 11 of this article. “Person” means an individual, partnership, firm, trust, estate, association, corporation, or other entity. “Secretary” means the Secretary of Labor. “Transaction” includes the deposit, withdrawal, transfer, bailment, loan, pledge payment, or exchange of currency by, through, or to the financial institution.