I'm bringing this back up.
Randy, they are probably an FDIC-Chicago regulated institution that is trying to follow CHIRO Bulletin 14-2005, which instructed their banks to disclose real estate taxes on the GFE and HUD as a POC item.
The reason I'm bringing this back up is that I had a discussion with an FDIC examiner recently who said that they are still following that bulletin, even though it is 7 years old and you can't do POC items on the GFE. Taxes do not meet the definition of a settlement charge and unless you are doing pro-rated taxes as part of a purchase, escrowing, or paying delinquent (disbursement), they have no place on the HUD. I'm trying to get more information on this. This opinion only exists to my knowledge in the Chicago region of FDIC...