Maryland Commercial Law Section 9-516
§ 9-516.
  (a)   Except as otherwise provided in subsection (b), communication of a record to a filing office and tender of the filing fee or acceptance of the record by the filing office constitutes filing.
  (b)   Filing does not occur with respect to a record that a filing office refuses to accept because:
    (1)   The record is not communicated by a method or medium of communication authorized by the filing office;
    (2)   An amount equal to or greater than the applicable filing fee is not tendered;
    (3)   The filing office is unable to index the record because:
      (A)   In the case of an initial financing statement, the record does not provide a name for the debtor;
      (B)   In the case of an amendment or correction statement, the record:
        (i)   Does not identify the initial financing statement as required by § 9-512 or § 9-518, as applicable; or
        (ii)   Identifies an initial financing statement whose effectiveness has lapsed under § 9-515;
      (C)   In the case of an initial financing statement that provides the name of a debtor identified as an individual or an amendment that provides a name of a debtor identified as an individual which was not previously provided in the financing statement to which the record relates, the record does not identify the debtor's last name; or
      (D)   In the case of a record filed or recorded in the filing office described in § 9-501(a)(1), the record does not provide a sufficient description of the real property to which it relates;
    (4)   In the case of an initial financing statement or an amendment that adds a secured party of record, the record does not provide a name and mailing address for the secured party of record;
    (5)   In the case of an initial financing statement or an amendment that provides a name of a debtor which was not previously provided in the financing statement to which the amendment relates, the record does not:
      (A)   Provide a mailing address for the debtor;
      (B)   Indicate whether the debtor is an individual or an organization; or
      (C)   If the financing statement indicates that the debtor is an organization, provide:
        (i)   A type of organization for the debtor;
        (ii)   A jurisdiction of organization for the debtor; or
        (iii)   An organizational identification number for the debtor or indicate that the debtor has none;
    (6)   In the case of an assignment reflected in an initial financing statement under § 9-514(a) or an amendment filed under § 9-514(b), the record does not provide a name and mailing address for the assignee;
    (7)   In the case of a continuation statement, the record is not filed within the six-month period prescribed by § 9-515(d); or
    (8)   The information required by § 9-502(e) is not provided or recordation tax payable is not tendered with the financing statement.
  (c)   For purposes of subsection (b):
    (1)   A record does not provide information if the filing office is unable to read or decipher the information; and
    (2)   A record that does not indicate that it is an amendment or identify an initial financing statement to which it relates, as required by § 9-512, § 9-514, or § 9-518, is an initial financing statement.
  (d)   A record that is communicated to the filing office with tender of the filing fee, but which the filing office refuses to accept for a reason other than one set forth in subsection (b), is effective as a filed record except as against a purchaser of the collateral which gives value in reasonable reliance upon the absence of the record from the files.