David Laibson has a good start, outlawing the prepayment penalty.

The prepayment penalty allows for “loss leader” loans, because it it offers an incentive to provide “loss leader” loans, because it makes it prohibitively expensive to get out of those abusive loans.

I would add outlawing, or severely limiting, points, which provide a similar incentive.

Congress could do this tomorrow, and it would help a lot of people now and in the future, while not bailing out bad actor lenders.