{"data":{"id":"us/12-cfr-617.7115","jurisdiction":"us","citation":"12 CFR 617.7115","heading":"How should a qualified lender disclose loan origination charges?","body":"Any one-time charge paid by a borrower to a qualified lender in consideration for making a loan must be included in the effective interest rate as a loan origination charge. These include, but are not limited to, loan origination fees, application fees, and conversion fees. Loan origination charges also include any payments made by a borrower to a qualified lender to reduce the interest rate that would otherwise be charged, including any charges designated as “points.”","path":["Title 12—Banks and Banking","CHAPTER VI—FARM CREDIT ADMINISTRATION","SUBCHAPTER B—FARM CREDIT SYSTEM","PART 617—BORROWER RIGHTS","Subpart B—Disclosure of Effective Interest Rates"],"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":"2be7cdc9563eb529ac74af816fdb033d64d02ee77d37383e704e13b75b0166af","source_id":"us-cfr","stale":true,"prev":"us/12-cfr-617.7110","next":"us/12-cfr-617.7120"},"notice":"GroundRules: Original legal text. Not legal advice."}