Massachusetts: For licensees under the Mortgage Lender and Broker Licensing Act, Mass. Gen. Laws ch. 225E §§1 et seq., fees such as bona fide and reasonable title-exam, abstract, insurance, survey and similar fees are excluded from the finance charge calculation by Mass. Regs. Code tit. 209 § 32.04, but are not expressly permitted. The statute does not expressly address insurance tracking fees.

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