The Australian Bankers Association has cited Treasury papers in support of its argument against the planned abolition of exit fees.Treasury papers released in February showed Treasury officials were concerned that banning exit fees on home loans could lead to higher loan interest rates and fees, reduced transparency and higher costs for consumers who don't switch loans.The issues raised by Treasury officials form the core of the ABA's submission to Treasury on the Federal Government's exit fee plan.The ABA says the exit fee ban will hit smaller lenders hardest and is likely to push lenders to raise interest rates and up-front fees. And it argues that the ban should be the subject of a regulatory impact assessment to ensure the government is meeting best practice regulation guidelines.The ban should be reconsidered, "not rushed as it appears to be", the ABA says.