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Depending on the nature of the software license agreement, the Bureau estimates that the one-time cost to upgrade this software would be $10,000 for lenders licensing the software at the entity-level and $100 per seat for lenders licensing the software using a seat-license contract.
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Rate applies to the portion of the balance greater than $5,000, and is calculated daily and paid monthly.
If lenders were required to prepare disclosures that were customized to a particular loan, that would impose some additional cost over current practices.
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