(a) Este subcapítulo aplicará a toda persona que se dedique al negocio de concesión de préstamos hipotecarios, según definido en la sec. 3051 de este título.
(b) Las siguientes personas no estarán sujetas a las disposiciones de este subcapítulo:
(1) Bancos autorizados a operar en Puerto Rico regulados por una agencia bancaria federal;
(2) agencias federales;
(3) agencias, municipios e instrumentalidades del Gobierno de Puerto Rico;
(4) sistemas de retiro de los empleados del Gobierno de Puerto Rico y sus instrumentalidades;
(5) compañías de seguros autorizadas por el Comisionado de Seguros de Puerto Rico a hacer negocios en Puerto Rico, y
(6) personas naturales que conceden u originen préstamos hipotecarios residenciales cuando el monto total de préstamos concedidos u originados en los doce (12) meses anteriores no exceda de cien mil dólares ($100,000).
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