StacksVerified U.S. regulatory reference

12 CFR §160.34

Verified against eCFR.gov as of June 20, 2026View official text on eCFR.gov
Any prepayment on a real estate loan must be applied directly to reduce the principal balance on the loan unless the loan contract or the borrower specifies otherwise. Subject to the terms of the loan contract, a Federal savings association may impose a fee for any prepayment of a loan.