§12–113.

    (a)    Except as provided in subsection (b) of this section, a lender may not refuse to lend money to any person solely because of:

        (1)    Geographic area or neighborhood; or

        (2)    Race, creed, color, age, sex, marital status, handicap, or national origin.

    (b)    A lender may refuse to make a loan:

        (1)    On property outside a geographic area of the State in which the lender normally does business;

        (2)    To be used in a type of business or activity other than a type in connection with which the lender normally makes loans; or

        (3)    Because of a greater than normal risk, including one due to:

            (i)    The presence of an airport;

            (ii)    An unusual drainage condition; or

            (iii)    Any other situation which causes a greater than normal risk of loss in a particular area.