{"data":{"id":"us/12-cfr-160.34","jurisdiction":"us","citation":"12 CFR 160.34","heading":"Prepayments.","body":"Any prepayment on a real estate loan must be applied directly to reduce the principal balance on the loan unless the loan contract or the borrower specifies otherwise. Subject to the terms of the loan contract, a Federal savings association may impose a fee for any prepayment of a loan.","path":["Title 12—Banks and Banking","CHAPTER I—COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY","PART 160—LENDING AND INVESTMENT"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-12.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:24:16Z","sha256":"6cb1f4b73795f51e9a1617ef5c6223723a29b630349d605c24dc3b62a9078666","source_id":"us-cfr","stale":true,"prev":"us/12-cfr-160.33","next":"us/12-cfr-160.35"},"notice":"GroundRules: Original legal text. Not legal advice."}