Maryland Code, Commercial Law § 14-2201

(c)(1) “Consumer goods”, “consumer realty”, and “consumer services” mean, respectively, goods, real property, and services which are primarily for personal, household, family, or agricultural purposes.

1. The consumer is required to call a telephone number;

2. The consumer is charged a separate toll fee for the call; and

3. The person making the solicitation receives any portion of the separate telephone toll fee paid by the consumer.

(1) Improving the consumer's credit history, credit rating, or credit record; or

(2) Obtaining an extension of credit for the consumer.

(e)(1) “Merchant” means a person who, directly or indirectly, offers or makes available to consumers any consumer goods, consumer services, or consumer realty.

(2) “Merchant” does not include a person who is exempt under § 13-104 of this article.

(1) Made entirely by telephone; and

(2) Initiated by the merchant.