This case arises on a counterclaim to the foreclosure of a deed of trust. The issue is whether Maryland Code (1975, 1990 Repl. Vol.), § 12-121 of the Commercial Law Article (CL) prohibits a mortgagee from charging the mortgagor fees for post-default, visual inspections of the mortgaged residence's exterior that are made to ascertain the condition of the security. Section 12-121 reads:
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