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In TRID 2.0, the CFPB addressed the ‘allocation of costs’ and clarified that finance charges under §1026.4 and points and fees under §1026.32(b)(1) specific to each phase must be allocated and disclosed to each phase accordingly. Pay particular attention to the underlined sections below. …snip. 2. Construction loans. Section 1026.17(c)(6)(ii) provides a flexible rule for disclosure of ... ................
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