2021
- Selected Opinion 21-005
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Whether a convenience fee may be charged to make a payment by telephone on a retail installment agreement, as described – April 12, 2022
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2019
- 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
2017
- 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
2010
- 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
2005
- Selected Opinion 05-006
- Several questions relative to borrower's interest regulation - May 26, 2005
2003
- Selected Opinion 03-073
- Are loans on mobile/manufactured homes on leased land covered by the high cost mortgage loan regulations - July 28, 2003
2001
- Selected Opinion 01-018
- Issues related to high cost mortgage loan regulation - February 26, 2001
- Selected Opinion 01-017
- Issues related to high cost mortgage loan regulation - March 9, 2001
- Selected Opinions 01-016, 01-074, 01-095, 01-098
- Questions relative to high cost loan provisions of Truth-in-Lending regulation - June 4, 2001, June 25, 2001, July 12, 2001, and August 6, 2001
- Selected Opinion 00-179
- Calculation of APR and effective date under high cost mortgage loan regulation - February 26, 2001
1999
- Summary of Selected Opinion 99-153
- Compliance requirements of 940 CMR 8.05 and certain Truth-in-Lending disclosure requirements - Q4 1999
- Summary of Selected Opinion 99-114
- Ability to charge a fee to protect against repossession losses - Q4 1999
- Summary of Selected Opinion 99-076
- Truth-in-Lending issues triggered by home equity products - Q3 1999
- Summary of Selected Opinion 99-018
- Permissibility of mortgage brokers providing disclosures to borrowers on behalf of mortgage lenders - Q2 1999
- Summary of Selected Opinion 99-017
- Truth-in-Lending disclosures for consumer loans through the internet Q2 1999
1998
- Summary of Selected Opinion 97-273
- Regulation Z and disclosures for variable rate mortgage loans - Q1 1998
- Summary of Selected Opinion 97-249
- Licensing requirements for entities soliciting consumer financing in Massachusetts
1997
- Summary of Selected opinion 97-243
- Excludability of title search charges from finance charge disclosure requirements - Q4 1997
- Summary of Selected Opinion 97-179
- Truth-in-lending disclosures for bi-weekly mortgage notes - Q3 1997
- Summary of Selected Opinion 97-174
- Restrictions on publishing mortgage rates - Q3 1997
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.