TRID Fee Tolerance and Cure

TRID fee tolerance analysis and cure calculation per Reg Z §1026.19(e)(3). Each closing fee arrives with its tolerance bucket already assigned by the caller (zero-tolerance, ten-percent cumulative, or no-tolerance-limit); this node does not derive that membership, because the §1026.19(e)(3)(ii)(A)-(C) tests turn on provider identity, whether the consumer was permitted to shop for the provider, and creditor-affiliate status, and none of those facts are inputs here. Computes 10% bucket aggregate overage, identifies violations, and returns the cure amount required to make the consumer whole under TRID. The §1026.19(e)(3)(iv)(A)-(F) grounds for a revised estimate (changed circumstance affecting settlement charges, changed circumstance affecting eligibility, consumer-requested revision, interest-rate-dependent charges, expiration of the estimate, and delayed settlement on a construction loan) are not distinguished from one another: each fee carries one caller-declared changed-circumstance boolean, and which ground supports it is outside scope.

Tool URL: https://ainumbers.co/chaingraph/art-216-trid-tolerance-cure.html