R.I. Gen. Laws § 34-25.2-9: Subterfuge prohibited.

It shall be a violation of this chapter for any person to attempt in bad faith to avoid the application of this chapter by:

(1) Dividing any loan transaction into separate parts for the purpose of evading the provisions of this chapter;

(2) Structuring a home loan transaction as an open-end loan for the purpose of evading the provisions of this chapter when the loan would have been a high-cost home loan if the loan had been structured as a closed-end loan;

(3) Engaging in any other subterfuge with the intent of evading any provision of this chapter.