12 C.F.R. § 617.7115 How should a qualified lender disclose loan origination charges?
Title 12 - Banks and Banking
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.”
Title 12: Banks and Banking
PART 617—BORROWER RIGHTS
Subpart B—Disclosure of Effective Interest Rates
§ 617.7115 How should a qualified lender disclose loan origination charges?
