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