{"data":{"id":"us/12-cfr-22.8","jurisdiction":"us","citation":"12 CFR 22.8","heading":"Determination fees.","body":"(a) General. Notwithstanding any Federal or State law other than the Flood Disaster Protection Act of 1973, as amended (42 U.S.C. 4001-4129), any national bank or Federal savings association, or a servicer acting on behalf of the national bank or Federal savings association, may charge a reasonable fee for determining whether the building or mobile home securing the loan is located or will be located in a special flood hazard area. A determination fee may also include, but is not limited to, a fee for life-of-loan monitoring.\n(b) Borrower fee. The determination fee authorized by paragraph (a) of this section may be charged to the borrower if the determination:\n(1) Is made in connection with a making, increasing, extending, or renewing of the loan that is initiated by the borrower;\n(2) Reflects the Administrator of FEMA's revision or updating of flood plain areas or flood-risk zones;\n(3) Reflects the Administrator of FEMA's publication of a notice or compendium that:\n(i) Affects the area in which the building or mobile home securing the loan is located; or\n(ii) By determination of the Administrator of FEMA, may reasonably require a determination whether the building or mobile home securing the loan is located in a special flood hazard area; or\n(4) Results in the purchase of flood insurance coverage by the lender, or its servicer, on behalf of the borrower under § 22.7.\n(c) Purchaser or transferee fee. The determination fee authorized by paragraph (a) of this section may be charged to the purchaser or transferee of a loan in the case of the sale or transfer of the loan.","path":["Title 12—Banks and Banking","CHAPTER I—COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY","PART 22—LOANS IN AREAS HAVING SPECIAL FLOOD HAZARDS"],"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":"64eada1fcc43d34009b880c3c8834d5e43f10f447843e109978929a8f0a9e3ec","source_id":"us-cfr","stale":true,"prev":"us/12-cfr-22.7","next":"us/12-cfr-22.9"},"notice":"GroundRules: Original legal text. Not legal advice."}