The Department of Housing and Urban Development has contributed to the debate over risk-based mortgage lending by warning FHA- insured lend-ers against imposing excessive origina-tion charges.

Although not inherently discrimin-atory, in some instances, the practice of charging overages may result in dis-crimination on a prohibited basis in violation of the Fair Housing Act or the Equal Credit Opportunity Act, HUD Assistant Secretary Nicolas Retsinas wrote in Mortgage Letter 94-43, dated Sept. 29 but released on Oct. 17.

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