"The Home Loan Protection Act of 2003", placing certain restrictions +on home loans, defining home loan; specifying certain prohibited acts and +practices relating to acceleration, default, credit insurance financing, loan +flipping, payoff balance requirements, fees and high cost loans; specifying +certain lender disclosure notice requirements; providing for lender +forgiveness for unintentional failure to comply or errors under certain conditions; +providing a borrower right to cure default, specifying certain notice +requirements and restricting the fee liability of the borrower and the foreclosure +authority of lenders; granting the commissioner of commerce certain enforcement +authority, imposing a criminal penalty for lender violations, requiring the +court to award certain damages, costs and fees to prevailing borrowers and providing+ for certain other remedies; specifying the liability of sellers, +contractors and assignees; exempting certain loans from the restrictions; +severability clause (mk)