Interest Rates - As introduced, changes the definition of a "home loan" to a closed-end loan with a term of at least 241 months; removes existing variable limits on the maximum effective rate of annual interest on home loans of no higher than two points greater than the rate established by the FNMA auction or four points greater than the 30-year treasury bond market yield index, leaving the maximum rate of interest per annum for home loans that may be charged at a fixed 18 percent limit. - Amends TCA Title 47.