In the case of a consumer loan:

1. (1) a savings bank may charge a borrower the reasonable value of services rendered in connection with making the loan; and

2. (2) an expense charged a borrower must be:

   1. (A) necessary and proper for the protection of the lender; and
   2. (B) actually incurred in connection with making the loan.

Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.