B. No person may amend a loan agreement, mortgage, instrument, trust instrument, loan application, transaction statement or any other loan or termination of contract document in connection with an expensive housing loan after the execution of the document, unless the amendment is made with the agreement of the person or persons concerned by the amendment and consent is given. the case. or the change is authorized by a valid authority that authorizes the change. (B) Late payment fee is only collected for a payment that is due ten (10) days or more; (21) A lender may not grant a loan for the construction of expensive housing without providing the borrower, in a separate and clearly identified document, with a communication on the availability of consultants from third-party non-profit organisations approved by the United States Department of Housing and Urban Development (HUD), a housing finance agency of that State or the regulatory authority responsible for the lender. . . .