Relating to financial institutions, enacting the model act against predatory lending in the home mortgage marketARTICLE 1 MODEL ACT AGAINST PREDATORY LENDING IN THE HOME MORTGAGE MARKETSpecifying prohibited acts and practices and certain lender requirements relating to home loans; specifying certain limits and prohibited practices for high cost home loans; providing for attempted evasion of coverage, corrections and unintended violations; specifying certain reporting requirement for lenders not reporting information under the federal home mortgage disclosure act (HMDA); requiring and providing for lenders to report the average and median interest rates of mortgage and home improvement loans to the commissioner of commerce; imposing certain penalties for violations and providing for commissioner enforcement ARTICLE 2 CONFORMING CHANGESMaking conforming amendments to certain statutory provisions relating to the prepayment penalty prohibition and certain prohibited practices of mortgage originators and servicers (ra)