finance charge - (1) costs associated with a loan, including interest, points, and fees. See Truth in Lending Law (Regulation Z). (2) a disclosure required by the Federal Truth in Lending Law. The total of all costs paid to the lender by the borrower directly or indirectly as an incident to the extension of credit, including, but not limited to, interest charges, finder fees, origination fees, discount points, service charges, application and processing fees, and credit report fees.

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