Md. Code, Commercial Law § 12–701

(a) In this subtitle the following words have the meanings indicated.

(b) “Applicant” means any person who applies to a creditor:

(1) Directly for an extension, renewal, or continuation of credit; or

(2) Indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit.

(c) “Commissioner” means the Commissioner of Financial Regulation.

(d) “Credit” means the right granted by a creditor to a debtor to:

(1) Defer payment of a debt;

(2) Incur a debt and defer its payment; or

(3) Purchase property or services and defer payment for it.

(e) “Creditor” means any person who regularly:

(1) Extends, renews, or continues credit for personal, family or household purposes; or

(2) Arranges for the extension, renewal, or continuation of credit.

(f) “Person” includes an individual, corporation, business trust, statutory trust, estate, trust, partnership, association, two or more persons having a joint or common interest, or any other legal or commercial entity.