Document Systems, Inc. ("DSI") receives numerous requests from DocMagic customers asking how we arrive at our high cost determinations.  In an effort to better explain our calculations, we publish detailed information regarding our calculations online.

General Information
	Predatory Lending Update and Summary
	High Cost Test Roadmap
	Effect of Discount Points on Various High Cost Tests
	Effect of MIP on Various State High Cost Tests
	Impact of Non-Borrower Paid Mortgage Broker Compensation on High Cost Tests
Federal High Cost Memos
	Section 32 High Cost Calculations
	Fannie Mae/Freddie Mac Total Points and Fees
	Treatment of Seller-Paid Fees - NEW!
	Fannie Mae Extends Effective Date of Amendments in Announcement 06-04
	Fannie Mae Audit
	Fannie Mae Amends Selling Guide - HOEPA Mortgages and Mortgages With Excessive Fees
State-Specific High Cost Memos
	Alabama - No State High Cost Test
	Alaska - No State High Cost Test
	Arizona - No State High Cost Test
	Arkansas
	California
	YSPs Not Included In California's Covered Loan Law Calculations
	Scope of California Predatory Loan Law Expanded
	Colorado
	Connecticut
	Connecticut Nonprime Home Loan Audit
	Delaware - No State High Cost Test
	District of Columbia
	Florida
	Georgia
	Hawaii - No State High Cost Test
	Idaho - No State High Cost Test
	Illinois (including Cook County & Chicago)
	Indiana
	Iowa - No State High Cost Test
	Kansas
	Kentucky
	Louisiana - No State High Cost Test
	Maine
	Maine Rate Spread Home Loan Audit
	Maryland
	Maryland Higher-Priced Mortgage Loan Audit - NEW!
	Massachusetts
	Michigan
	Minnesota
	Mississippi - No State High Cost Test
	Missouri - No State High Cost Test
	Montana - No State High Cost Test
	Nebraska
	Nevada
	New Hampshire - No State High Cost Test
	New Jersey
	New Mexico
	New York
	New York Subprime Home Loan Audit
	New York Subprime Home Loan Audit Enhancements
	North Carolina (High-Cost Home Loan Law)
	Treatment of Seller-Paid Fees - NEW!
	North Carolina Rate Spread Home Loan Audit
	North Dakota - No State High Cost Test
	Ohio
	Oklahoma
	Oregon - No State High Cost Test
	Pennsylvania
	Rhode Island
	South Carolina
	South Dakota - No State High Cost Test
	Tennessee
	Texas
	Utah
	Vermont
	Virginia
	Washington - No State High Cost Test
	West Virginia
	Wisconsin
	Wyoming - No State High Cost Test

If you have any questions regarding any of the information relating to predatory lending, please contact DocMagic's Compliance Department at (800) 649-1362.