Maryland Commercial Law Section 14-1701

      (a)      In this subtitle the following terms have the meanings indicated.

      (b)      (1)      "Adverse action" means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested.

            (2)      "Adverse action" does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit.

      (c)      "File" means file as defined in § 14-1201(g) of this title.

      (d)      "Lender" or "credit grantor" means:

            (1)      Any lender or credit grantor regulated under Title 12 of this article; or

            (2)      A credit union making a loan under § 6-601(e) of the Financial Institutions Article.