Court of Appeals of Maryland March 1, 2013, Misc. Docket No. 10 (Gardner v. Ally Financial Inc.)

BATTAGLIA, J.

We have before us a question of law, certified by the United States Court of Appeals for the Fourth Circuit, pursuant to the Maryland Uniform Certification of Questions of Law Act, Sections 12-601 to 12-613 of the Courts and Judicial Proceedings Article, Maryland Code (1973, 2006 Repl.Vol.