Regulatory Alerts2026-06-10
Regulatory Guidance on HLPA High Cost Fees and Points Calculations
The Financial Institutions Division issued this guidance to clarify the Home Loan Protection Act's requirements for calculating points and fees in high-cost home loans. The Division mandates that fees must be included in the calculation if they are imposed as a condition of credit and borne directly or indirectly by the borrower. Conversely, charges paid by sellers or third parties are generally excluded provided the borrower does not ultimately bear the economic burden of those costs.
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