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Federal laws set standards for mortgage lending. A home mortgage is one of the largest credit transactions a consumer can make, and that opens the door for all sorts of issues. In the past, lenders have misled consumers about mortgage loans. Some lenders denied loans based on discrimination. Other lenders hid the truth about mortgage loan terms, including interest rates and closing costs. To address a variety of issues, the federal government enacted a series of key mortgage lending laws.
The amount of the finance charge includes late charges and other charges resulting from or arising out of late payment, delinquency, default, or other like occurrence. Finance charges are regulated by state and federal laws.State laws may establish a maximum rate allowed to be charged as a finance charge.The main federal law governing finance charges is the Federal Truth-in-Lending Act. The Act is designed to ensure full disclosure about finance charges in loans and prevent unfair business practices by lenders.inance Charges Law & Legal Definition. Finance charges are the sum of all charges, payable directly or indirectly by the person to whom credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit.