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).

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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-full
    canonical_id: hpa-12usc-4906-full
    section: 12 U.S.C. §4906
    description: 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. ( Pub. L. 105–216, § 7 , July 29, 1998 , 112 Stat. 905 .)
    type: do
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - regulator-direct
      - section-complete
      - usc-statute
    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. ( Pub. L. 105–216, § 7 , July 29, 1998 , 112 Stat. 905 .)
      drafter_attestation: Verbatim subsection of 12 U.S.C. §4906 from Cornell LII snapshot 2c70a65224a3c140; body isolated between nav and notes; substring-verified.

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 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. ( Pub. L. 105–216, § 7 , July 29, 1998 , 112 Stat. 905 .)

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

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

This is verbatim, source-snapshotted regulator text from the Claude for Compliance open corpus. To turn a rule like this into compliance work product: gap-analyze your policies and procedures (P&Ps) against these requirements to surface stale, conflicting, or missing provisions; operationalize any change with a ready-to-run update kit; and produce audit-ready evidence — every step grounded only in the regulator’s own words, never invented.

Source of record: https://claudeforcompliance.com/regs/hpa-12usc-4906/ · register hpa-12usc-4906 · Claude for Compliance. Free to read and download; see regulatory updates and methodology.