Sec. 4. (a) Except as provided in subsection (b), a high cost home loan may not include payment terms under which the outstanding principal balance will increase at any time over the course of the high cost home loan because the regular periodic payments do not cover the full amount of interest due.

     (b) This section does not apply to a temporary forbearance that is requested by a borrower regarding a high cost home loan.

As added by P.L.73-2004, SEC.33.