Maryland Financial Institutions Section 12-902
§ 12-902.
  This subtitle does not apply to:
    (1)   The following persons when engaged in the regular course of their respective businesses and professions:
      (i)   An attorney at law;
      (ii)   An escrow agent;
      (iii)   A certified public accountant;
      (iv)   A banking institution, other-state bank, national banking association, credit union, or savings and loan association;
      (v)   A person that:
        1.   Provides bill payer services, as defined in § 12-401 of this title;
        2.   Does not initiate any contract with individual creditors of the debtor to compromise a debt or arrange a new payment schedule; and
        3.   Does not provide any debt counseling services;
      (vi)   A person that provides accelerated mortgage payment services, as defined in § 12-401 of this title;
      (vii)   A title insurer, title insurance agency, or abstract company; or
      (viii)   A judicial officer or a person acting under a court order;
    (2)   A person while performing services incidental to the dissolution, winding up, or liquidation of a partnership, corporation, or other business enterprise;
    (3)   A trade or mercantile association acting in the course of arranging the adjustment of debts with a business establishment; or
    (4)   A mortgage lender, as defined in § 11-501 of this article, that:
      (i)   Is licensed by the Commissioner; and
      (ii)   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.