SECTION 1. Title

SECTION 2. Definitions

SECTION 3. Certification from counselor with third-party nonprofit organization

SECTION 4. Obligor's ability to make payments; presumption

SECTION 5. Prepayment fees and penalties

SECTION 6. Limitation on financing of points and fees

SECTION 7. Interest rate increases

SECTION 8. Limitation on scheduled payments

SECTION 9. Demand for repayment

SECTION 10. Periodic payment schedule

SECTION 11. No fee to modify or defer payment

SECTION 12. Consolidation of payments

SECTION 13. Forum for disputes

SECTION 14. Lender's payment of contractor

SECTION 15. Affirmative claims and defenses available; applicability

SECTION 16. Default in connection with refinancing

SECTION 17. Application of chapter; violations

SECTION 18. Relief; remedies

SECTION 19. Regulations