White Paper
Upfront Credit Report Fees in Mortgage Lending
The federal framework, the direct-pay model, model disclosure components, and a 51-jurisdiction research directory. Written for lender compliance and operations teams. From the credit reporting agency mortgage lenders have trusted since 1990.
What's Inside the White Paper
The Federal Rule
TRID's fee-timing restriction and the express credit report fee exception, including when a prequalification does and does not become an application.
The Direct-Pay Model
How consumer payment directly to Credit Technologies changes the licensee fund-handling analysis, and what it does not change.
Model Disclosure Components
Starting-point authorization, fee, refund, and Georgia-specific language, drafted for adaptation with your own counsel.
51-Jurisdiction Directory
A state-by-state research locator with cited authorities, review points, and per-row status.
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