Indiana. The state’s new anti-predatory law, which becomes effective for loans made on or after Jan. 1, 2005, contains confusing provisions that may increase lenders’ regulatory and litigation risks, according to industry attorneys. Even as parts of the new Home Loan Practices Act went into effect on July 1, Standards & Poor’s announced that it will not rate structured finance transactions that include Indiana high-cost home loans. As with other similar state laws, the…