Which of the following statements is true regarding charges that cannot be changed due to zero tolerance?

The assertion that fees paid to a lender or mortgage broker are included in the charges that cannot change due to zero tolerance is accurate. Under the Truth in Lending Act, specifically Regulation Z, zero tolerance applies to certain fees, which must remain constant from the time of the Loan Estimate to the Closing Disclosure. These fees are primarily those that are not subject to negotiations or comparisons by the borrower.

Fees paid to the lender or mortgage broker fall under this strict zero tolerance rule, meaning they cannot increase at closing. This aspect of the regulation is designed to protect consumers from unexpected cost increases and ensure transparency in the lending process.

In contrast, fees that borrowers can shop for, such as certain settlement services, do not fall under zero tolerance and may vary. Transfer taxes are indeed a part of certain fees that are exempt from this rule as well. Lastly, while fees paid to unaffiliated parties can be regulated, they are subject to different rules that allow for some variation. Therefore, the statement regarding fees paid to a lender or mortgage broker correctly reflects the zero tolerance policies established by Regulation Z.