Maryland Financial Institutions Section 12-120

      (a)      Except as provided in § 15-802(b) of the Commercial Law Article and subsection (b) of this section, a licensee may not charge any other fee, including late fees or other service fees, for accepting or cashing a payment instrument in excess of the greater of:

            (1)      2% of the face amount of the payment instrument or $3, if the payment instrument is issued by the federal government or a state or local government;

            (2)      10% of the face amount of a payment instrument or $5, if the payment instrument is a personal check; or

            (3)      4% of the face amount of the payment instrument or $5, for any other payment instrument.

      (b)      A licensee may charge a customer a one-time membership fee not to exceed $5.