HUD-1 Defined
The HUD-1 is a document required by RESPA (Real Estate Setllement and Procedures Act, the controlling Federal law) to show actual charges and adjustments for all parties including the seller, buyer, agents, lenders, and all third parties.
Another name for the HUD-1 is the closing statement or settlement sheet.
A HUD-1 is [...]

Not disclosing yield spread premium is a violation of the Real Estate Settlement and Procedures Act, so it’s a crime for sure. If the crime is considered “fraud” per se, I am not sure.
However, it is unlikely the Good Faith Estimate (GFE) and/or the HUD1 Closing Statement won’t disclose YSP if it’s being paid. Mortgage [...]