There is a newer version of the Maryland Code
Maryland Commercial Law Section 12-505.2
§ 12-505.2.
  A seller or holder may not enter into a closed end retail credit account agreement, providing for an initial rate of finance charge pursuant to § 12-505(a)(3) of this subtitle, which contains a provision that permits the seller or holder to increase or decrease the applicable rate of finance charge from time to time during the term of the account.
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