bona fide discount points
(3) For purposes of paragraph (1), the term “bona fide discount points” means loan discount points which are knowingly paid by the consumer for the purpose of reducing, and which in fact result in a bona fide reduction of, the interest rate or time-price differential applicable to the mortgage.
15 USC § 1602(ee)(3)
None identified. Default scope is assumed to be the entire title.