State and federal agencies may be headed toward another confrontation over states’ rights to enforce consumer protection laws against federally chartered financial institutions following New York Attorney General Eliot Spitzer’s latest salvo on bank lending practices in the Empire State. Spitzer, a big critic of federal preemption, set a confrontational tone by sending letters to as many as 10 major mortgage lenders, some of them federally regulated, demanding information about their lending practices, including new…