Section 12-902 - ApplicabilityThis subtitle does not apply to:
(1) The following persons when engaged in the regular course of their respective businesses and professions: (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; and3. 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.