th respect to a regulated loan, no lender may permit any person, or husband and wife, to become obligated in any way under more than one (1) loan agreement with the lender or with a person related to the lender, with the intent of obtaining a higher rate of loan finance charge than would otherwise be permitted by the provisions on loan finance charge for consumer loans (§ 3508). The excess amount of loan finance charge provided for in agreements in violation of this Section are excess charges for the purposes of the provisions on effect of violations on rights of parties (§ 5201) and the provisions on civil actions by Administrator (§ 6113).