The Montana Supreme Court has affirmed a lower court finding of a violation of the state Consumer Loan Act when a licensed mortgage lender charged points on almost 3,000 home loans that were later classified as “interest.” In Wombold v. Associates Financial Services Company, the lower court held that points charged for first and second mortgages originated by the lender from Jan. 1, 1995, to Dec. 31, 2000, were not allowed under state law.…