( July 28, 2025, 3:49 PM EDT) -- RICHMOND, Va. — The Fourth Circuit U.S. Court of Appeals held that a mortgage lender did not violate the Credit Grantor Closed End Credit Provisions (CLEC) by retaining a portion of the appellant’s insurance premiums as a commission, affirming a lower federal court’s ruling that granted the lender’s motion for judgment on the pleadings....