12 U.S.C. §4906 — Fees for disclosures

hpa-12usc-4906

HPA fee-prohibition section. Single-sentence rule prohibiting any servicer, mortgagee, or mortgage insurer from charging the mortgagor any fee or other cost for the provision of any HPA- required notice or information (§4903 disclosures, §4904 notifications, §4905 LPMI notices).

Get this register: .xlsx .csv More bundles →

source:
  type: regulation
  id: hpa-12usc-4906
  authority: 12 U.S.C. §4906 — Fees for disclosures
  description: |
    HPA fee-prohibition section. Single-sentence rule prohibiting
    any servicer, mortgagee, or mortgage insurer from charging the
    mortgagor any fee or other cost for the provision of any HPA-
    required notice or information (§4903 disclosures, §4904
    notifications, §4905 LPMI notices).
obligations:
  - id: hpa-12usc-4906-no-fee-for-hpa-disclosures
    canonical_id: hpa-12usc-4906-no-fee-for-hpa-disclosures
    section: 12 U.S.C. §4906 — No fee for HPA disclosures or notices
    description: |
      [LENDER] (as servicer, mortgagee, or mortgage insurer) shall not
      impose any fee or other cost on a mortgagor with respect to the
      provision of any notice or information furnished to the
      mortgagor pursuant to chapter 49 (HPA). This prohibition covers
      every §4903 at-closing or annual disclosure, every §4904
      cancellation/termination or grounds notice, and every §4905
      LPMI written notice — and any other HPA-required communication.
    type: dont
    audit_question: Across all [LENDER] PMI/LPMI servicing fee schedules and loan-level billing records, can [LENDER] evidence that no mortgagor was charged any fee or other cost for the provision of any §4903 disclosure, §4904 notification, or §4905 LPMI notice required under chapter 49 (HPA)?
    program_review: Do the P&Ps prohibit imposing any fee or cost on a mortgagor for providing any §4903/§4904/§4905 (or other HPA-required) notice or information?
    file_review: Review PMI/LPMI servicing fee schedules and loan-level billing; confirm no mortgagor was charged for any HPA-required disclosure or notice.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: compliance_officer
    secondary_owner_role: default_servicing_analyst
    cadence: continuous
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - hpa
      - fees
      - no-charge
      - servicing
      - promoted
    primary_source:
      tier: 1
      authority: 12 U.S.C. §4906
      source_class: hpa-statute
      source_url: https://www.law.cornell.edu/uscode/text/12/4906
      snapshot_id: 2c70a65224a3c140
      fetched_at: '2026-05-24T00:47:10Z'
      content_hash: sha256:ff8da20735d40f675d0d4df3710bb2a8b0cdc3f6981bab7dc85e5559e5ca9d0d
      paragraph_quote: No fee or other cost may be imposed on any mortgagor with respect to the provision of any notice or information to the mortgagor pursuant to this chapter.
      drafter_attestation: |
        Copied verbatim from snapshot 2c70a65224a3c140 (content.txt) at
        2026-05-23T01:00Z. Substring is the full single-sentence §4906
        operative no-fee rule; no paraphrasing.
    promoted_at: '2026-05-24T00:54:53+00:00'
    promoted_from: hpa-12usc-4906-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-24T00:54:53+00:00'
    candidate_path: obligations\_remediation\_round_b_drafts\hpa-12usc-4906-roundb-v1.yaml
    candidates_promoted: 1
    candidates_skipped_existing: 0

Verbatim regulatory text (1)

Verbatim provisions from 12 U.S.C. §4906 — Fees for disclosures — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

12 U.S.C. §4906 — No fee for HPA disclosures or notices

No fee or other cost may be imposed on any mortgagor with respect to the provision of any notice or information to the mortgagor pursuant to this chapter.

Source: 12 U.S.C. §4906 · source URL · snapshot 2c70a65224a3c140