Maryland Code, FINANCIAL INSTITUTIONS 1-209

state: means :

(1) a state, possession, territory, or commonwealth of the United States; or

(2) the District of Columbia. See

(a) Only the State may enact a law which purports to regulate extensions of credit made by a financial institution.

(b) This section does not:

(1) Affect federal law preemption of State law;

(2) Restrict or otherwise affect local laws that establish property ownership or the rights and obligations of property owners;

(3) Restrict or otherwise affect a local government’s ability to regulate its fiscal, economic, or community development policy;

(4) Restrict or otherwise affect a local government’s ability to enact laws or adopt regulations relating to fair housing or other civil rights; or

(5) Restrict or otherwise affect a local government’s ability to establish or administer loan programs to assist residents with financial needs.