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I believe you are thinking about the High Cost Mortgage requirement under 1026.34(a)(4)(ii). It is linked here: https://www.ecfr.gov/cgi-bin/text-idx?SID=a73fc1358d918790ff49be8da05ce6f6&node=12:8.0.2.8.18.5.1.5&rgn=div8
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