§ 12-1003

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 who is admitted to the Maryland Bar while the attorney at law is providing professional legal services in an attorney–client relationship;

(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 a bill payer service, as defined in § 12–401 of this title;

2. Does not initiate any contract with individual creditors of a 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 an accelerated mortgage payment service, 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;

(4) (i) A mortgage lender, as defined in § 11–501 of this article:

1. That is licensed by the Commissioner; and

2. While engaged in the mortgage lending business, as defined in § 11–501 of this article; or

(ii) An employee of a mortgage lender; or

(5) A collection agency, as defined in § 7–101 of the Business Regulation Article:

(i) That is licensed by the State Collection Agency Licensing Board; and

(ii) While engaged in the collection agency business, as defined in § 7–101 of the Business Regulation Article.