ÆNew York - State bank regulators have revised Part 41, also known as the High-Cost Home Loan regulations, to clarify how mortgage loans with an introductory rate could be covered by state anti-predatory lending regulations. According to regulators, the interest rate that applies at the end of an “initial or introductory” period would be the high-cost home loan trigger if the loan’s annual percentage rate is less than the post-introductory