Maryland Code, Commercial Law § 14-1312

(a)(1) In this section the following terms have the meanings indicated.

(2) “Acceptor” means a seller, lender, or credit grantor to whom a discharged check was originally issued.

(3) “Discharged check” means a check or other instrument that has been:

(b)(1) Notwithstanding any other provision of this article, if an acceptor requires a buyer or borrower to submit to the acceptor a discharged check, rather than a facsimile thereof, for the purpose of verifying the full or partial payment of the obligation for which the check was issued, the acceptor shall return the discharged check directly to the buyer or borrower when payment or nonpayment has been verified.

(2) An acceptor may not return the discharged check directly to the financial institution on which the discharged check was drawn if the check was submitted to the acceptor under the circumstances outlined in paragraph (1) of this subsection.

(1) The amount of the check; and

(2) Any charges made against the buyer's or borrower's account by the financial institution on which the check was drawn if those charges are a direct result of the acceptor's noncompliance with subsection (b) of this section.