Section 102 of the Act of 1995 is amended, by the substitution of the following subsection for subsection (1):

"(1) A high cost credit provider shall not make or attempt to make an agreement with a borrower who has borrowed or intends to borrow credit from that high cost credit provider for any -

(a) sum,

(b) account of costs,

(c) charges,

(d) collection charges, or

(e) expenses,

incidental to or relating to the negotiations for, or the granting of, the loan.".