Section 12-1204 - Conformance to requirements of federal law(a) Except as otherwise provided in this subtitle, a lender that offers or makes a reverse mortgage loan secured by a dwelling in the State shall conform to the requirements of 12 U.S.C. § 1715z-20, and any regulations and guidance adopted under 12 U.S.C. § 1715z-20, regardless of whether the reverse mortgage loan is insured under 12 U.S.C. § 1715z-20.(b) Except as otherwise provided in this subtitle, an arranger of financing that aids or assists, or offers to aid or assist, a borrower in obtaining a reverse mortgage loan secured by a dwelling in the State shall conform to the requirements of 12 U.S.C. § 1715z-20, and any regulations and guidance adopted under 12 U.S.C. § 1715z-20, regardless of whether the reverse mortgage loan is insured under 12 U.S.C. § 1715z-20.