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IN THE COURT OF APPEALS OF MARYLAND

No. 142 September Term, 2006 _________________________________________

ANDREW BEDNAR

v.

PROVIDENT BANK OF MARYLAND, INC. _________________________________________ Bell, C.J. Raker Harrell Battaglia Greene Eldridge, John C. (Retired, Specially Assigned), Wilner, Alan M . (Retired, Specially Assigned), JJ. _________________________________________ Opinion by Eldridge, J. _________________________________________

Filed: December 13, 2007

The issue in this case is whether the Circuit Court for Baltimore City erred in granting summary judgment to a bank that collected closing costs from a borrower solely because the borrower prepaid his loan. The petitioner, Andrew Bednar, was a consumer borrower who obtained a second mortgage loan from the respondent, Provident Bank of Maryland, Inc. 1 The Circuit Court granted summary judgment to Providen t, deciding that the bank did not violate the "Credit Grantor Closed End Credit Provisions" of Maryland Code (1975, 2005 Repl. Vol.),

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Maryland Law