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 Name
Abstract Title Search
Accident Insurance
Administration Fee
Application Fee
Appraisal Fee
Appraisal Review Fee
Assignment Fee
Attorneys Fee
Attorney Trust Review
Broker Fee
Buydown Fee
City Stamp Mortgage
City Tax Stamps
Closing Fee
Commitment Fee
County Tax
Courier Fee
Credit Life Insurance
Credit Report
Debt Cancellation Ins.
Demand Bene Fee
Disability Ins. Prem
Document Fee
Document Review
Finance
Charge
N
N1
Y
Y2
N3
N3
Y
Y
Y
Y
Y
N
N
Y
Y
N
Y
N1
N3
N1
Y
N1
N3
N4
Citation
Reg. Z § 226.4(c)(7)(i)
Reg. Z § 226.4(d)(1)
Reg. Z § 226.4(b)(2)
Reg. Z § 226.4(c)(1)
Reg. Z § 226.4(c)(7)(iv)
Reg. Z § 226.4(c)(7)(iv)
Reg. Z § 226.4(b)(6)
Reg. Z § 226.4(c)(7)
Reg. Z § 226.4(c)(7)
Reg. Z § 226.4(a)(3)
Reg. Z § 226.4(b)(3)
Official Staff Commentary § 226.4(a)-5(iii)
Official Staff Commentary § 226.4(a)-5(iii)
Official Staff Commentary § 226.4(a)(2)-2
Reg. Z § 226.4(b)(3)
Official Staff Commentary § 226.4(a)-5(iii)
Official Staff Commentary § 226.4(a)(2)-1
Reg. Z § 226.4(d)(1)
Reg. Z § 226.4(c)(7)(iii)
Reg. Z § 226.4(d)
Official Staff Commentary § 226.4(b)(5)-2
Reg. Z § 226.4(d)(1)
Reg. Z § 226.4(c)(7)(ii)
Reg. Z § 226.4(c)(7)(ii)
1
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.
2 Not a finance charge when extended to all applicants.
3 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.
Finance Charge Name
Email Fee
Endorsement Fee
Environmental Fee
Escrow Fee
Flood Certification
Flood Certification
Flood Determination
Flood Insurance Premium
Flood L.O.L. Coverage
Funding Fee
Hazard Insurance Premium
Health Insurance
Inspection Fee
Intangible Tax
Lender Coverage Fee
Loss-Of-Income Insurance
MERS Registration Fee
Messenger Fee
MIP Cash
MIP Financed
MIP Refund
Mortgage Tax
Non Prepaid Misc.
Notary Fee
Other Insurance Premium
Finance
Charge
Y
N4
N4
Y
Y
N4
Y
N5
Y
Y
N5
N6
Y
N
N
N6
Y
Y
Y
Y
N
N
N
N4
N7
Citation
Reg. Z § 226.4(b)(2)
Reg. Z § 226.4(c)(7)(i)
Reg. Z § 226.4(c)(7)(i)
Reg. Z § 226.4(a)(2)
Reg. Z § 226.4(c)(7)(iv)
Reg. Z § 226.4(c)(7)(iv)
Official Staff Commentary § 226.4(c)(7)-3
Reg. Z § 226.4(d)(2)
Official Staff Commentary § 226.4(c)(7)-3
Reg. Z § 226.4(b)(2)
Reg. Z § 226.4(d)(2)
Reg. Z § 226.4(d)(1)
Reg. Z § 226.4(c)(7)(iv)
Official Staff Commentary § 226.4(a)-5(iii)
Reg. Z § 226.4(d)
Reg. Z § 226.4(d)(1)
Reg. Z § 226.4(b)(6)
Reg. Z § 226.4(b)(2)
Reg. Z § 226.4(b)(5)
Reg. Z § 226.4(b)(5)
None
Official Staff Commentary § 226.4(a)-5(iii)
None
Reg. Z § 226.4(c)(7)(iii)
Reg. Z § 226.4(d)(1)
4 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.
5 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 closedend credit transactions involving an insurance plan that limits the total amount of indebtedness subject to
coverage.
6 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.
Finance Charge Name
Prepaid Misc
Processing Fee
Quit Claim Fee
Rec/Filing Fee
RF Reconveyance Fee
Redraw Fee
Signer Fee
State Tax Stamps
Sub Escrow Fee
Survey Fee
Tax Service Fee
Termite Fee
Tie In Fee
Title Binder Fee
Title Document Fee
Title Exam Fee
Title Fee
Trustee Fee
Underwriting Fee
Unemployment Insurance
VA Funding Fee
USDA Funding Fee
VA Funding Fee Cash
VA Funding Fee Financed
Warehouse Fee
Wire Fee
7
Finance
Charge
Y
Y
N7
N8
N7
N7
Y
N
Y
N7
Y
N7
Y
Y
N7
N7
N7
Y
Y
N9
Y
Y
Y
Y
Y
Y
Citation
None
Reg. Z § 226.4(b)(2)
Reg. Z § 226.4(c)(7)(ii)
Official Staff Commentary § 226.4(e)-1
Reg. Z § 226.4(c)(7)(ii)
Reg. Z § 226.4(c)(7)(ii)
Reg. Z § 226.4(a)(2)
Official Staff Commentary § 226.4(a)-5(iii)
Reg. Z § 226.4(a)(2)
Reg. Z § 226.4(c)(7)(i)
Reg. Z § 226.4(b)(2)
Reg. Z § 226.4(c)(7)(iv)
Reg. Z § 226.4(b)(3)
Reg. Z § 226.4(c)(7)(i)
Reg. Z § 226.4(c)(7)(i)
Reg. Z § 226.4(c)(7)(i)
Reg. Z § 226.4(c)(7)(i)
Reg. Z § 226.4(a)
Reg. Z § 226.4(b)(2)
Reg. Z § 226.4(d)(2)
Reg. Z § 226.4(b)(2)
Reg. Z § 226.4(b)(2)
Reg. Z § 226.4(b)(2)
Reg. Z § 226.4(b)(2)
Reg. Z § 226.4(b)(2)
Reg. Z § 226.4(b)(2)
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.
8
Not a Finance Charge if paid to a government entity.
9
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 closedend credit transactions involving an insurance plan that limits the total amount of indebtedness subject to
coverage.