hf3257 FIRST ENGROSSMENT Financial institution detached facilities, charges and fees, and mortgage prepayment penalties regulated. Section 1: Precomputed loan refunds detailed. Sec. 2: Limits on interest and other charges required. Sec. 3: Conforming changes. Sec. 4: Application procedure modified. Sec. 5: Approval order notice required. Sec. 6: "Financial institution" definition modified. Sec. 7: Applicability to banks and credit unions provided. Sec. 8: Interest, points, finance charges, fees, and other changes detailed. Sec. 9: Regulations on contracts of 100,000 dollars or more provided. Sec. 10: Credit to organizations provided. Sec. 11: Repealer Sec. 12: Effective date. AE