le federal law or regulations.2 Further, no fee, other than an application fee, credit report fee, property appraisal fee and/or lock-in fee, can be collected from an applicant prior to the acceptance by the applicant of a commitment.3 Thus, only after an applicant accepts a commitment may a lender collect a commitment fee or any ???points,??? which as defined by 3 NYCRR 38.1(n) include an ???orig