ELON MUSK I'M "POSITIVE" GROK AGREES ...

Elon Musk I asked GROK to calculate the finance charge (FC) for a consumer credit transaction, in this case a mortgage, using the following givens:
Loan Amount: $ 363,298.00
Loan Term: 10,950 days
APR: 6.777

GROK tells me the FC is $ 738,587.93, which is $ 273,585.00 greater than the FC reported on the disclosure ($ 465,002.40).

In other words, the Lender "understated" that FC by far more than the $100.00 fudge factor allowed by FDIC. Accordingly, FDIC or other appropriate banking oversite agency can order 'Restitution" and perhaps civil penalties for such an egregious understatement.

If you want to fix the debt crisis perhaps you can file a class action suit on behalf of citizens of the United States who have been entrapped by banker collusion/fraud/ extortion or other crime.

See the video for details, and GROK's calculations.

For everyone else, go find your loans "Truth in Lending Disclosure" / Closing Disclosure and see for yourself, and then seek RESTITUTION.