PARRIS N. GLENDENING, Governor                        Ch. 326

(ii) When the credit grantor receives a written notice from the
Commissioner [ of Consumer Credit] OF FINANCIAL REGULATION or the appropriate
regulatory authority notifying the credit grantor of an error or violation; or

(iii) When the credit grantor receives service of process in a civil action
for an error or violation instituted by the borrower in a court of competent jurisdiction.

12-921.

(j) (3) The Commissioner [of Consumer Credit] OF FINANCIAL
REGULATION may make a determination concerning any private sale that the sale was
not accomplished in a commercially reasonable manner. Upon that determination, the
Commissioner may enter an order disallowing any claim for a deficiency balance.

12-1015.

(c) If a license is required by this section, it shall be issued by the Commissioner
[of Consumer Credit] OF FINANCIAL REGULATION.                                   

12-1016.

(a) If a written complaint for violation of any provision of this subtitle, including
the disclosure requirements of this subtitle and the federal Truth-in-Lending Act and
regulations promulgated thereunder, or any other law of this State that regulates loans or
other extensions of credit is filed with the Commissioner of [Consumer Credit]
FINANCIAL REGULATION, the Commissioner may investigate the complaint and hold a
hearing on it in accordance with § 11-413 of the Financial Institutions Article.

[(e) For purposes of this section:

(1) "Complaining, "complaining party" means an individual who files a
written complaint with the Commissioner OF FINANCIAL REGULATION pursuant to this
section.

[(2) "Commissioner" means, and the rights of the "Commissioner" vest
exclusively in, the State Bank Commissioner if the complaint is filed against a bank, trust
company, savings bank, or credit union organized under the laws of any state and having
a branch in this State.

(3) The jurisdiction of the Commissioner of Consumer Credit does not apply
to any:

(i) Incorporated bank, savings institution, or trust company;

(ii) Savings and loan association; or

(iii) Federal or State credit union.]

12-1018.

(a) (1) In this subsection, "notice" means the first to occur of the following:

(i) When the credit grantor receives a written notice from the
borrower notifying the credit grantor of an error or violation;

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