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.
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