37877164__Predatory_Lending__June__2006__DEFINITION_OF_CHARACTERISTIC
[CHARACTERISTIC] Pre-payment Penalties [DEFINITION OF CHARACTERISTIC] 
Penalties for prepaying a loan are not necessarily abusive, but predatory lenders may use them to trap borrowers in high-cost loans.
FDIC OIG: Challenges and FDIC Efforts Related to Predatory Lending, June, 2006
DEFINITION OF CHARACTERISTIC