(a) Except as otherwise provided in this subtitle, when the Administration issues a certificate of title of a vehicle, it shall deliver the certificate of title by mailing it to the owner of the vehicle.

(b) Notwithstanding subsection (a) of this section, where a vehicle has been repossessed by a lessor, lender, or credit grantor, the lessor, lender, or credit grantor or a title service agent on behalf of the lessor, lender, or credit grantor may request delivery by hand at a facility of the Administration of the certificate of title of the repossessed vehicle or a duplicate of the certificate of title.