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; 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 bill payer services, as defined in § 12-401 of this title; Does not initiate any contract with individual creditors of the debtor to compromise a debt or arrange a new payment schedule; and Does not provide any debt counseling services; A person that provides accelerated mortgage payment services, 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; or A mortgage lender, as defined in § 11-501 of this article, that: Is licensed by the Commissioner; and Does not receive funds from a consumer for the purpose of distributing the funds among the consumer’s creditors in full or partial payment of the consumer’s debts.