Which of the following is NOT included in the "finance charge" under Truth-in-Lending?

The correct answer is based on the specific components defined as part of the "finance charge" under the Truth-in-Lending Act (TILA). The finance charge encompasses most costs associated with obtaining credit, as this is meant to disclose to the borrower the total cost of financing.

Interest charges are included because they represent the cost of borrowing money. Similarly, loan origination fees are part of the expense the borrower incurs when securing a loan, thus they are included in the finance charge as well. Credit report fees also fall within this category, as they are necessary for the lender to assess the borrower's credit risk and are a cost incurred by the borrower in the process of obtaining credit.

On the other hand, attorney's fees do not typically fall under the finance charge as defined by TILA. While they can be associated with the closing of a loan or conveyed through various legal transactions, they are not universally considered part of the cost of obtaining credit in the same way that interest, origination fees, and credit report fees are. This distinction is crucial in understanding what borrowers should expect to see itemized in their final disclosure documentation related to borrowing.