Can lenders legally roll closing legal fees into a commercial mortgage refinancing package without violating high-cost mortgage thresholds under HOEPA?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can lenders legally roll closing legal fees into a commercial mortgage refinancing package without violating high-cost mortgage thresholds under HOEPA?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
CFPB Regulation Z 12 CFR 1026.3 business purpose credit exemption HOEPA 1026.32 points and fees bona fide third party attorney fees Google ↗
CFPB HOEPA points and fees legal fees attorney closing costs bona fide reasonable third party 1026.32 Google ↗
- § 1026.3 Exempt transactions. · consumerfinance.gov
- § 1026.32 Requirements for high-cost mortgages. · consumerfinance.gov
- § 1026.32 Requirements for high-cost mortgages. · consumerfinance.gov
- BUREAU OF CONSUMER FINANCIAL PROTECTION · consumerfinance.gov
- 12 CFR § 1026.34 – Prohibited acts and practices · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB Regulation Z 12 CFR 1026.3 business purpose credit exemption HOEPA 1026.32 points and fees bona fide third party attorney fees OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB HOEPA points and fees legal fees attorney closing costs bona fide reasonable third party 1026.32 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |