Is license required to create product using SDMMC?

[RHale.2]

Is a license required to create commercial products using SDMMC?  I noticed there is support for it in cube IDE.  The SD Association indicates a yearly subscription requirement for creating even a host app that uses the SD standards. 

https://www.sdcard.org/developers/how-to-start-using-sd-standards-in-your-product/

Does this apply to SDMMC?

Thanks, Rick