# D.C. Code § 26-1152.04: Restriction on financing origination/discount points and fees

> District of Columbia · Statutes · In force

URL: https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.04

## Section

- **Citation:** D.C. Code § 26-1152.04
- **Heading:** Restriction on financing origination/discount points and fees
- **Jurisdiction:** District of Columbia
- **Kind:** Statutes
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** DC Code / Title 26 / Chapter 11A / § 26-1152.04

## Text

If a lender refinances a loan secured by the same residential real property to the same borrower which was made 18 months or less before the covered loan is made, the same lender shall not finance, directly or indirectly, any portion of the covered loan’s origination/discount points and fees or other fees payable to the lender or any third party in excess of the greatest of 3% of the new covered loan principal amount actually funded, $400, or such amount as the Mayor may establish by regulation, excluding:
(1) Reasonable charges described in 12 C.F.R. § 226.4(c)(7)(i), (iii), (iv), and (v); and
(2) Bona fide loan discount points.

## Nearby sections

- [D.C. Code § 26-1151.01 § 26-1151.01. Definitions.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1151.01.md)
- [D.C. Code § 26-1151.02 § 26-1151.02. Federally regulated, supervised, and insured entities and the Federal National Mortgage Association and Federal Home Loan Corporation.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1151.02.md)
- [D.C. Code § 26-1152.01 § 26-1152.01. Applicability.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.01.md)
- [D.C. Code § 26-1152.02 § 26-1152.02. Insufficient repayment ability.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.02.md)
- [D.C. Code § 26-1152.03 § 26-1152.03. Restrictions on the financing of single-premium credit insurance.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.03.md)
- [D.C. Code § 26-1152.04 § 26-1152.04. Restriction on financing origination/discount points and fees.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.04.md)
- [D.C. Code § 26-1152.05 § 26-1152.05. No encouragement of default.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.05.md)
- [D.C. Code § 26-1152.06 § 26-1152.06. Unfair steering or improper use of credit scores.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.06.md)
- [D.C. Code § 26-1152.07 § 26-1152.07. Failing to report favorable payment record.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.07.md)
- [D.C. Code § 26-1152.08 § 26-1152.08. Home improvement contracts.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.08.md)
- [D.C. Code § 26-1152.09 § 26-1152.09. No increase in interest rate upon default.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.09.md)
- [D.C. Code § 26-1152.10 § 26-1152.10. Charges in bad faith.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.10.md)
- [D.C. Code § 26-1152.11 § 26-1152.11. Failure to timely send disclosure notice.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.11.md)
- [D.C. Code § 26-1152.12 § 26-1152.12. Prepayment premium, fee or charge.](https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.12.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_DC_T26_C11A_S26-1152.04. Check the current official text before relying on it. Not legal advice.