What constitutes a violation of the mortgage law according to Tim's actions?

Charging for services without completion is indeed a violation of mortgage law because it undermines the trust and transparency required in mortgage transactions. This practice not only impacts the consumer negatively, but it also reflects poorly on the integrity of the lending process. When borrowers are charged for services that are not fully rendered, they can suffer financial losses and may find themselves in situations where they have paid for something that they did not receive, leading to potential disputes and a breakdown in the lender-borrower relationship.

Such actions erode consumer confidence in financial institutions and the overall mortgage market. Regulatory bodies often impose strict guidelines to ensure that all services charged for are completed satisfactorily, thus protecting consumers from fraudulent practices and promoting fairness in the mortgage industry. This violation can also lead to penalties imposed on the mortgage lender for failing to adhere to the established standards and laws governing financial transactions.