Fees and Charges Matrix
Updated 10/14/2026
This matrix covers what is and what is not considered a finance charge under Regulation Z.
Rule: Regulation Z – Truth in Lending Act (12 CFR Part 1026)
Toolkit: ATR QM, Mortgage, TRID
Keywords: Finance Charge, Fees, Charges, Regulation Z, TILA, Finance Charge Exclusions, Consumer Lending
10/14/2026 – Minor formatting changes were made. No substantive changes to the matrix.
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