3486

LAWS OF MARYLAND

Ch. 747

(B) (C) (1) "PAYMENT DEVICE NUMBER" MEANS ANY CODE, ACCOUNT
NUMBER, OR OTHER MEANS OF ACCOUNT ACCESS, OTHER THAN A CHECK,
DRAFT, OR SIMILAR PAPER INSTRUMENT, THAT CAN BE USED TO OBTAIN
MONEY, GOODS, SERVICES, OR ANYTHING OF VALUE, TO INITIATE A
TRANSFER OF FUNDS.

(2) FOR PURPOSES OF § 14-1402(A)(3)(III), "PAYMENT
DEVICE NUMBER" DOES NOT INCLUDE AN ENCODED OR TRUNCATED CREDIT
CARD OR PAYMENT DEVICE NUMBER OR ENCODED PAYMENT DEVICE NUMBER.

(C) (D) "HOLDER" MEANS ANY PERSON:

(1) WHO WAS ISSUED A CREDIT CARD NUMBER OR PAYMENT
DEVICE NUMBER; OR

(2) WHO IS AUTHORIZED BY A HOLDER TO USE A CREDIT
CARD OR PAYMENT DEVICE NUMBER; OR

(3) (2) WHO IS AUTHORIZED AT THE SPECIFY REQUEST OF
BY THE HOLDER TO USE, DISCLOSE, OR RECEIVE A CREDIT CARD NUMBER
OR PAYMENT DEVICE NUMBER ON BEHALF OF THE HOLDER.

(D) "CREDIT CARD" MEANS AN INSTRUMENT OR DEVICE, WHETHER
KNOWN AS A CREDIT CARD, CREDIT PLATE, OR BY ANY OTHER NAME,
ISSUED BY AN ISSUER FOR THE USE OF A HOLDER IN OBTAINING MONEY,
GOODS, SERVICES, OR ANYTHING ELSE OF VALUE ON CREDIT.

(E)  "ISSUER" MEANS A BUSINESS ORGANIZATION OR FINANCIAL
INSTITUTION PERSON THAT ISSUES A CREDIT CARD NUMBER OR A PAYMENT
DEVICE NUMBER.

(F) "PERSON" INCLUDES AN INDIVIDUAL, CORPORATION, BUSINESS
TRUST, ESTATE, TRUST, PARTNERSHIP, ASSOCIATION, TWO OR MORE
PERSONS HAVING A JOINT OR COMMON INTEREST, OR ANY OTHER LEGAL OR
COMMERCIAL ENTITY.

14-1402.

(A) A PERSON MAY NOT USE OR DISCLOSE A CREDIT CARD NUMBER
OR PAYMENT DEVICE NUMBER UNLESS:

(1)  THE PERSON IS DISCLOSING A CREDIT CARD NUMBER OR
PAYMENT DEVICE NUMBER IN CONNECTION WITH AN AUTHORIZATION,
PROCESSING, BILLING, COLLECTION, CHARGEBACK, INSURANCE
COLLECTION, FRAUD PREVENTION, OR CREDIT CARD OR PAYMENT DEVICE
RECOVERY THAT RELATES TO A CREDIT CARD NUMBER OR PAYMENT DEVICE
NUMBER, AN ACCOUNT ACCESSED BY THE CREDIT CARD NUMBER OR PAYMENT
DEVICE NUMBER, OR DEBTS OR OBLIGATIONS ARISING, ALONE OR WITH
ANOTHER MEANS OF PAYMENT, FROM THE USE OF THE CREDIT CARD NUMBER
OR PAYMENT DEVICE NUMBER WHETHER AS A MEANS OF IDENTIFICATION OR
OTHERWISE;

(2)  THE PERSON MAKING THE DISCLOSURE IS THE HOLDER OF
THE CREDIT CARD OR PAYMENT DEVICE NUMBER OR IS DISCLOSING THE