ࡱ > 1& bjbjT~T~ 7 6 6 S % : _ , 8 d ; t 0 f h h h h h h > h h } z z z 6 f z f z z z 7[S z R 0 z z z z P z h h z : Finance Charges
This matrix is a list of various fees and charges considered to finance charges and the applicable citation to Section 226.4 of Regulation Z or the Official Commentary to Reg Z. Note that where a particular fee or charge, such as the flood certification fee, can be either a finance charge or not a finance charge, note that such fee/charge is listed twice with a different charge code assigned.
Finance Charge NameFinance ChargeCitationAbstract Title SearchNReg. Z 226.4(c)(7)(i)Accident InsuranceNReg. Z 226.4(d)(1)Administration FeeYReg. Z 226.4(b)(2)Application FeeYReg. Z 226.4(c)(1)Appraisal FeeNReg. Z 226.4(c)(7)(iv)Appraisal Review FeeN3Reg. Z 226.4(c)(7)(iv)Assignment FeeYReg. Z 226.4(b)(6)Attorneys FeeYReg. Z 226.4(c)(7)Attorney Trust ReviewYReg. Z 226.4(c)(7)Broker FeeYReg. Z 226.4(a)(3)Buydown FeeYReg. Z 226.4(b)(3)City Stamp MortgageNOfficial Staff Commentary 226.4(a)-5(iii)City Tax StampsNOfficial Staff Commentary 226.4(a)-5(iii)Closing FeeYOfficial Staff Commentary 226.4(a)(2)-2Commitment FeeYReg. Z 226.4(b)(3)County TaxNOfficial Staff Commentary 226.4(a)-5(iii)Courier FeeYOfficial Staff Commentary 226.4(a)(2)-1Credit Life InsuranceN1Reg. Z 226.4(d)(1)Credit ReportN3Reg. Z 226.4(c)(7)(iii)Debt Cancellation Ins.N1Reg. Z 226.4(d)Demand Bene FeeYOfficial Staff Commentary 226.4(b)(5)-2Disability Ins. PremN1Reg. Z 226.4(d)(1)Document FeeN3Reg. Z 226.4(c)(7)(ii)Document ReviewNReg. Z 226.4(c)(7)(ii)Email FeeYReg. Z 226.4(b)(2)Endorsement FeeN4Reg. Z 226.4(c)(7)(i)Environmental FeeN4Reg. Z 226.4(c)(7)(i)Escrow FeeYReg. Z 226.4(a)(2)Flood CertificationYReg. Z 226.4(c)(7)(iv)Flood CertificationN4Reg. Z 226.4(c)(7)(iv)Flood DeterminationYOfficial Staff Commentary 226.4(c)(7)-3Flood Insurance PremiumNReg. Z 226.4(d)(2)Flood L.O.L. CoverageYOfficial Staff Commentary 226.4(c)(7)-3Funding FeeYReg. Z 226.4(b)(2)Hazard Insurance PremiumN5Reg. Z 226.4(d)(2)Health InsuranceNReg. Z 226.4(d)(1)Inspection FeeYReg. Z 226.4(c)(7)(iv)Intangible TaxNOfficial Staff Commentary 226.4(a)-5(iii)Lender Coverage FeeNReg. Z 226.4(d)Loss-Of-Income InsuranceN6Reg. Z 226.4(d)(1)MERS Registration FeeYReg. Z 226.4(b)(6)Messenger FeeYReg. Z 226.4(b)(2)MIP CashYReg. Z 226.4(b)(5)MIP FinancedYReg. Z 226.4(b)(5)MIP RefundNNoneMortgage TaxNOfficial Staff Commentary 226.4(a)-5(iii)Non Prepaid Misc.NNoneNotary FeeN4Reg. Z 226.4(c)(7)(iii)Other Insurance PremiumNReg. Z 226.4(d)(1)Prepaid MiscYNoneProcessing FeeYReg. Z 226.4(b)(2)Quit Claim FeeN7Reg. Z 226.4(c)(7)(ii)Rec/Filing FeeNOfficial Staff Commentary 226.4(e)-1RF Reconveyance FeeN7Reg. Z 226.4(c)(7)(ii)Redraw FeeN7Reg. Z 226.4(c)(7)(ii)Signer FeeYReg. Z 226.4(a)(2)State Tax StampsNOfficial Staff Commentary 226.4(a)-5(iii)Sub Escrow FeeYReg. Z 226.4(a)(2)Survey FeeN7Reg. Z 226.4(c)(7)(i)Tax Service FeeYReg. Z 226.4(b)(2)Termite FeeN7Reg. Z 226.4(c)(7)(iv)Tie In FeeYReg. Z 226.4(b)(3)Title Binder FeeYReg. Z 226.4(c)(7)(i)Title Document FeeN7Reg. Z 226.4(c)(7)(i)Title Exam FeeN7Reg. Z 226.4(c)(7)(i)Title FeeN7Reg. Z 226.4(c)(7)(i)Trustee FeeYReg. Z 226.4(a)Underwriting FeeYReg. Z 226.4(b)(2)Unemployment InsuranceNReg. Z 226.4(d)(2)VA Funding FeeYReg. Z 226.4(b)(2)USDA Funding FeeYReg. Z 226.4(b)(2)VA Funding Fee CashYReg. Z 226.4(b)(2)VA Funding Fee FinancedYReg. Z 226.4(b)(2)Warehouse FeeYReg. Z 226.4(b)(2)Wire FeeYReg. Z 226.4(b)(2)
May be excluded from the Finance Charge if the following conditions are met: (i) The insurance coverage is not required by the creditor, and this fact is disclosed in writing; (ii) The premium for the initial term of insurance coverage is disclosed. If the term of insurance is less than the term of the
transaction, the term of insurance also shall be disclosed. The premium may be disclosed on a unit-cost basis only in open-end credit transactions, closed-end credit transactions by mail or telephone under 226.17(g), and certain closed-end credit transactions involving an insurance plan that limits
the total amount of indebtedness subject to coverage; (iii) The consumer signs or initials an affirmative written request for the insurance after receiving the disclosures specified in this paragraph. Any consumer in the transaction may sign or initial the request.
Not a finance charge when extended to all applicants.
Real-Estate Related Fees in a transaction secured by real property or in a residential mortgage transaction are excluded from Finance Charge, if the fees are bona fide and reasonable in amount.
Real-Estate Related Fees in a transaction secured by real property or in a residential mortgage transaction are excluded from Finance Charge, if the fees are bona fide and reasonable in amount.
May be excluded from the Finance Charge if the following conditions are met: (i) The insurance coverage may be obtained from a person of the consumer's choice, and this fact is disclosed; (ii) If the coverage is obtained from or through the creditor, the premium for the initial term of insurance coverage shall be disclosed. If the term of insurance is less than the term of the transaction, the term of insurance shall also be disclosed. The premium may be disclosed on a unit-cost basis only in open-end credit transactions, closed-end credit transactions by mail or telephone under 226.17(g), and certain closed-end credit transactions involving an insurance plan that limits the total amount of indebtedness subject to coverage.
May be excluded from the Finance Charge if the following conditions are met: (i) The insurance coverage is not required by the creditor, and this fact is disclosed in writing; (ii) The premium for the initial term of insurance coverage is disclosed. If the term of insurance is less than the term of the
transaction, the term of insurance also shall be disclosed. The premium may be disclosed on a unit-cost basis only in open-end credit transactions, closed-end credit transactions by mail or telephone under 226.17(g), and certain closed-end credit transactions involving an insurance plan that limits
the total amount of indebtedness subject to coverage; (iii) The consumer signs or initials an affirmative written request for the insurance after receiving the disclosures specified in this paragraph. Any consumer in the transaction may sign or initial the request.
Real-Estate Related Fees in a transaction secured by real property or in a residential mortgage transaction are excluded from Finance Charge, if the fees are bona fide and reasonable in amount.
Not a Finance Charge if paid to a government entity.
May be excluded from the Finance Charge if the following conditions are met: (i) The insurance coverage may be obtained from a person of the consumer's choice, and this fact is disclosed; (ii) If the coverage is obtained from or through the creditor, the premium for the initial term of insurance coverage shall be disclosed. If the term of insurance is less than the term of the transaction, the term of insurance shall also be disclosed. The premium may be disclosed on a unit-cost basis only in open-end credit transactions, closed-end credit transactions by mail or telephone under 226.17(g), and certain closed-end credit transactions involving an insurance plan that limits the total amount of indebtedness subject to coverage.
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