Open Game Systems
Licensing is handled by iiinvddual states; however, unless you are complaining of fraud or intent to deceive, you will have to go to court. to get a refund. Individual mortgage companies have various backing (some are private for-profit companies, some are retail banks which are regulated by FDIC or the government, some are Investment banks and have directors)Your best threat is to go up the ladder to his boss and/or the bosses' boss. While the fee is a lot of money to you, it is small to the company and, even in cases where they can prove they are right, they will often return fees for goodwill .