What are the maximum late charges banks are allowed to charge in PA?

If you are a state non-member bank subject to Dept of Banking code - you will need to look at each Section depending on the type of loan you are referring to. For example, if operating under Section 322 the delinquency charge is $20 or 10% of payment, whichever is higher. There are limitations as to what loans are covered under 322 though. Section 310 (real estate) does not state an amount - it is to be reasonable. It's not real cut and dry - depends on the type of loan.

I agree with doodles but want to take it one step further. In PA, you are allowed to choose which rules your are operating under for your loans. For instance, if you are a chartered savings bank like us, you could choose to operate under 7 PS 300 et seq rather than 7 P.S. 500 et seq. or under OTS' regulations. I was informed that if you were going to operate under something other than your chartered rules, your selected rule had to be consistently applied to a particular portfolio such as residential mortgage loans. My info was obtained from the PA Department of Banking - the horses mouth. Of course, check with your attorney before deciding.