Has anyone heard feedback from a regulator or otherwise, on situations where you list a specific branch of a company (e.g,, Fidelity on 123 Title Street) on the Settlement Service Providers List and the consumer DOES NOT choose that branch, but picks a different branch of the same company (e.g., Fidelity 456 Title Way), if that causes the fee to move from the 10% category (Borrower Can Shop) to the No Tolerance Applied (Borrower Did Shop) category?
Or, since its technically the same company with the same fees, just a different branch, would it be considered that the consumer Did Not Shop and remain subject to the 10% category?