Maryland Commercial Law Section 12-701
§ 12-701.
  (a)   In this subtitle the following words have the meanings indicated.
  (b)   "Applicant" means any person who applies to a creditor:
    (1)   Directly for an extension, renewal, or continuation of credit; or
    (2)   Indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit.
  (c)   "Commissioner" means the Commissioner of Financial Regulation.
  (d)   "Credit" means the right granted by a creditor to a debtor to:
    (1)   Defer payment of a debt;
    (2)   Incur a debt and defer its payment; or
    (3)   Purchase property or services and defer payment for it.
  (e)   "Creditor" means any person who regularly:
    (1)   Extends, renews, or continues credit for personal, family or household purposes; or
    (2)   Arranges for the extension, renewal, or continuation of credit.
  (f)   "Person" includes an individual, corporation, business trust, estate, trust, partnership, association, two or more persons having a joint or common interest, or any other legal or commercial entity.