12 CFR 617.7115
§ 617.7115 How should a qualified lender disclose loan origination charges?
United States · 12 CFR — Banks and Banking · Status: effective
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- Citation
- 12 CFR 617.7115, § 617.7115 How should a qualified lender disclose loan origination charges?, United States, version 1 as recorded 2026-07-09, yourstate.us, https://yourstate.us/provision/47928
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Full text
Any one-time charge paid by a borrower to a qualified lender in consideration for making a loan must be included in the effective interest rate as a loan origination charge. These include, but are not limited to, loan origination fees, application fees, and conversion fees. Loan origination charges also include any payments made by a borrower to a qualified lender to reduce the interest rate that would otherwise be charged, including any charges designated as “points.”
Legislative history
This is a federal regulation, adopted through agency rulemaking under the Administrative Procedure Act — not enacted by a recorded vote of Congress.