The 7(a) Lender charges packaging fees only if reasonable and customary for the area, tells the Applicant in writing that it need not buy unwanted services, itemizes all fees in writing by the regulatory categories, and discloses them in the SBA Loan System; above the SOP's flat-fee threshold it completes SBA Form 159. Hourly fees match its non-SBA commercial loan practice; percentage fees are no higher than its non-SBA practice or the SOP's percentage and aggregate caps, whichever is lower. It does not charge twice for the same service, pass through LSP fees, or split one loan request into two to earn a second fee (loans more than 90 days apart may carry separate fees). Technology services that include underwriting come only from an LSP under an SBA-reviewed agreement. It refunds any fee SBA finds unreasonable.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.