E Relating to financial institutions; eliminating the requirement for detached facility establishment applicants to notify nearby banks of the proposed location of the facility; clarifying the definition of financial institution for credit extension maximum rates regulation purposes; regulating lender fees and prepayment penalties imposed by residential mortgage originators, defining lender fee; specifying a notice requirement relating to the charging of prepayment penalties; clarifying the exemption of certain larger loan contracts from certain charge or fee limits and exempting extensions of credit to certain organizations from the limits; repealing credit union reserve fund requirements and a certain provision prohibiting corporations from using the defense of usury in actions; retroactively repealing a certain recently enacted provision expanding or clarifying the prohibition on insurance inducements (mk, ja)