Found this old thread and have a related question. This section reads "or refinancing of a principal dwelling." The request in question is a refinance of a purchase money HELOC. The Reg B monitoring information was collected on the original request. It has now matured and is to be "refinanced". However as this is a revolving credit and the line may have been used for other "purposes" after the original purchase, would this still be a refinance of a purchase? The collateral is the principal dwelling so if I'm reading this correct, it doesn't matter how the line was used after the purchase, it's more about the refinance of the dwelling and Reg B is applicable. Am I overthinking this? Thank you.