Seeking to curb so-called predatory lending, the New York State government has put out a list of unacceptable practices, including charging super-high interest to borrowers in default.

Under a regulation proposed by Gov. George E. Pataki, lenders would also be prohibited from lending without regard to repayment ability; financing the fees, points, and charges that borrowers pay; and refinancing more often than once every three years at higher interest rates.

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