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Selected Opinions of the Division of Banks related to consumer credit cost disclosures

Through these opinions the Division of Banks (DOB) offers perspective on current issues and questions in the financial services industry.

Table of Contents


  • Selected Opinion 21-005
    • Whether a convenience fee may be charged to make a payment by telephone on a retail installment agreement, as described – April 12, 2022


  • Opinion 19-010
    • Is a processing fee for customer credit card payments, charged and collected by a third-party payment processor, permissible under G. L. c. 140D, § 28A  – January 3, 2020


  • Opinion 17-008
    • Can a service fee be charged by third party payment processor for payments by credit card for insurance premium payments – October 24, 2017


  • Selected Opinion 08-041
    • Fees collected by a third-party service provider when collecting tuition payments on behalf of an educational institution - May 14, 2010



  • Selected Opinion 03-073
    • Are loans on mobile/manufactured homes on leased land covered by the high cost mortgage loan regulations - July 28, 2003





Past opinions of the DOB

You can get copies of past opinions by submitting a Public Records Request to the DOB's Records Access Officer.

The DOB's Regulations, found in the Code of Massachusetts Regulations (CMR - agency code number 209), are available through the State House Bookstore.

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