Can anyone point me in the direction of the rules governing refund of finance charge if a loan pays off early. Our disclosures always state that the customer is not entitled to a refund of the fin. charge if the loan pays off before maturity. Are there rules that determine when a refund of this type should be made or is up to the lender to decide?

Rick, you'll want to review the IN Code.

IC 24-4.5-3-210
SEC. 210. Rebate upon Prepayment.
(1) Except as provided in subsection (2), upon prepayment-in-full of the unpaid balance of a precomputed consumer loan, refinancing, or consolidation, an amount not less than the unearned portion of the loan finance charge calculated according to this section shall be rebated to the debtor. If the rebate otherwise required is less than one dollar ($1), no rebate need be made.
(2) Upon prepayment-in-full of a consumer loan, refinancing, or consolidation, other than one (1) under a revolving loan account, if the loan finance charge earned is less than any permitted minimum loan finance charge ( IC 24-4.5-3-201(6) or IC 24-4.5-3-508(7)) contracted for, whether or not the consumer loan, refinancing, or consolidation is precomputed, the lender may collect or retain the minimum loan finance charge, as if earned, not exceeding the loan finance charge contracted for.