January 13, 2014 at 10:29 pm EST
#4944
rcooper
Member
I removed the wrong post but forgot to go back and answer your question…
Both of these (items in 1026.4(c)(7)) are exempt from points and fees if:
(A) The charge is reasonable;
(B) The creditor receives no direct or indirect compensation in connection with the charge; and
(C) The charge is not paid to an affiliate of the creditor.