| http://www.w3.org/ns/prov#value | - New TILA section 103(bb)(4)(F) requires that points and fees include ???all prepayment fees or penalties that are incurred by the consumer if the loan refinances a previous loan made or currently held by the same creditor or an affiliate of the creditor.??? The Board's proposed ?? 226.32(b)(1)(vi) would have implemented this provision by including in points and fees the total prepayment penalty, a
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