If all the provisions of the financing agreement cannot be amended, the financing agreement shall constitute the final agreement between the parties on the elements contained therein. If information can be changed in the financing agreement, the lender must give the borrower an obligation performed by the lender at least 72 hours before the settlement date. However, if, after the conclusion of the financing contract, the 72-hour requirement by the lender proves to be inapplicable, the borrower may waive the 72-hour pre-presentation obligation in writing and accept the billing obligation. The full text of S.B 392 is available at mgaleg.maryland.gov/2017RS/bills/sb/sb0392T.pdf. By doing all this, the agreement helps to avoid all the types of problems that often arise when you are trying to get your money back.