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

Name: 12 U.S.C. §4906 — Fees for disclosures — machine-readable register
Creator: Claude for Compliance
License: https://creativecommons.org/licenses/by-nd/4.0/

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).

This register: .xlsx .csv

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).
  effective_date: '1998-07-29'
  date_basis: 'statutory credit line: enactment date of the latest amendment listed (OLRC U.S. Code snapshot fe6d60141dc0bdc7); an amendment''s own effective-date provision may set a different date'
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://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section4906&num=0&edition=prelim
      snapshot_id: fe6d60141dc0bdc7
      fetched_at: '2026-09-26T22:30:31Z'
      content_hash: sha256:542cc9435d5ed9668214a24ac7bc35d75988939442fc3cf9ec5957cc2b59c712
      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: 'Verbatim 12 U.S.C. §4906 text from the Office of the Law Revision Counsel''s USLM XML (USLM release point 119-111), snapshot fe6d60141dc0bdc7; substring-verified. Re-sourced 2026-09-26 (scripts/resource-usc-olrc.py) from Cornell LII snapshot 2c70a65224a3c140: the same words, without Cornell''s rendering artifacts (a space before punctuation after every cross-reference link).'
      publisher: uscode.house.gov
      verified_against: uscode.house.gov
      verified_on: '2026-09-26'
    notes_split_to: hpa-12usc-4906-notes
  - id: hpa-12usc-4906-notes
    canonical_id: hpa-12usc-4906-notes
    section: 12 U.S.C. §4906 note — source credit and editorial notes (not statute text)
    description: 'Editorial matter printed after the statute text: the source credit (enacting and amending public laws) and any footnotes or notes (e.g. Historical and Revision Notes, committee reports, References in Text). Not part of the operative statute.'
    type: note
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - statute-notes
      - not-statute-text
    primary_source:
      tier: 1
      authority: 12 U.S.C. §4906 note — source credit and editorial notes (not statute text)
      source_class: hpa-statute
      source_url: https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section4906&num=0&edition=prelim
      snapshot_id: fe6d60141dc0bdc7
      fetched_at: '2026-09-26T22:30:31Z'
      content_hash: sha256:542cc9435d5ed9668214a24ac7bc35d75988939442fc3cf9ec5957cc2b59c712
      paragraph_quote: (Pub. L. 105–216, § 7, July 29, 1998, 112 Stat. 905.)
      drafter_attestation: 'Verbatim 12 U.S.C. §4906 text from the Office of the Law Revision Counsel''s USLM XML (USLM release point 119-111), snapshot fe6d60141dc0bdc7; substring-verified. Re-sourced 2026-09-26 (scripts/resource-usc-olrc.py) from Cornell LII snapshot 2c70a65224a3c140: the same words, without Cornell''s rendering artifacts (a space before punctuation after every cross-reference link).'
      publisher: uscode.house.gov
      verified_against: uscode.house.gov
      verified_on: '2026-09-26'
    split_from: hpa-12usc-4906-full

Verbatim regulatory text (2)

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.

Source: 12 U.S.C. §4906 · source URL · snapshot fe6d60141dc0bdc7

12 U.S.C. §4906 note — source credit and editorial notes (not statute text)

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

Source: 12 U.S.C. §4906 note — source credit and editorial notes (not statute text) · source URL · snapshot fe6d60141dc0bdc7

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Source of record: https://claudeforcompliance.com/regs/hpa-12usc-4906/ · register hpa-12usc-4906 · verbatim, source-snapshotted regulator text from the Claude for Compliance corpus. To work from every register at once, download the corpus and follow the methodology.