Maryland Code § CL-12-104

Section CL-12-104
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Interest at a rate otherwise allowed by this subtitle is not usurious solely
because of any one or more of the following:
(1) For a period of less than one year, interest is calculated on the
premise that there are 360 days in the year and 30 days in each month, which may
include the date of the loan and the date due or paid;
(2) Interest on a periodic payment of principal is computed to the due
date; or
(3) Except for installment loans made under § 12-103(c) of this
subtitle:

(i) Interest-drop calculations are made on sums not in excess
of multiples of $100, without regard to interim partial payments; or
(ii) Interest-drop calculations are made on periods not in
excess of one year, without regard to interim partial payments.

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