Subchapter II. Prohibited Practices. § 26–1152.01. Applicability. § 26–1152.02. Insufficient repayment ability. § 26–1152.03. Restrictions on the financing of single-premium credit insurance. § 26–1152.04. Restriction on financing origination/discount points and fees. § 26–1152.05. No encouragement of default. § 26–1152.06. Unfair steering or improper use of credit scores. § 26–1152.07. Failing to report favorable payment record. § 26–1152.08. Home improvement contracts. § 26–1152.09. No increase in interest rate upon default. § 26–1152.10. Charges in bad faith. § 26–1152.11. Failure to timely send disclosure notice. § 26–1152.12. Prepayment premium, fee or charge. § 26–1152.13. Limitations on balloon payments. § 26–1152.14. No call provision. § 26–1152.15. No negative amortization. § 26–1152.16. No advance payments. § 26–1152.17. No advance waivers. § 26–1152.18. No oppressive mandatory arbitration clause. § 26–1152.19. Homeownership counseling. § 26–1152.20. Broker licensor. § 26–1152.21. Filing requirements. § 26–1152.22. Suspect settlement service providers. § 26–1152.23. Median family income.