Includes any charge payable directly or indirectly by the consumer
and imposed directly or indirectly by the creditor incident to or required by the
Lender except for fees that would be charged in a comparable cash transaction. Fees
specifically exempt are appraisals, credit reports, doc prep, seller's points, hazard
or flood insurance premiums, some title fees. When a fee is charged by a third party
and increased to benefit the lender, the increased amount is called an upcharge.
The portion retained by the lender should be considered a finance charge, even on
exempt fees. The chart below may not be all inclusive.