{"data":{"id":"us-md/md.-code-commercial-law-14-1701","jurisdiction":"us-md","citation":"Md. Code, Commercial Law § 14–1701","heading":"","body":"(a) In this subtitle the following terms have the meanings indicated.\n(b) (1) “Adverse action” means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested.\n(2) “Adverse action” does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit.\n(c) “File” means file as defined in § 14–1201(h) of this title.\n(d) “Lender” or “credit grantor” means:\n(1) Any lender or credit grantor regulated under Title 12 of this article; or\n(2) A credit union making a loan under § 6–601(e) of the Financial Institutions Article.","path":["Article - Commercial Law"],"source_url":"https://mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gcl\u0026section=14-1701","current_through":"2026-01-01","vintage":"","retrieved_at":"2026-09-14T19:56:33Z","sha256":"44cbd06b18ea44f6fc94c421f32328241178e60e250b3d6fd356de747b3885bb","source_id":"us-md","stale":false,"prev":"us-md/md.-code-commercial-law-14-1603","next":"us-md/md.-code-commercial-law-14-1702"},"notice":"GroundRules: Original legal text. Not legal advice."}