Is there a way to disclose at loan closing a collateral release fee for a non-real estate consumer loan, where the bank keeps the fee for administrative work? This would only be incurred if before the maturity of the loan, the customer wanted the release, so it may or may not be incurred. It could be incurred multiple times. Similar to a return check fee. We disclose that there is a $20 return check fee for loan payments. Some clients may never incur this expense. Can we have a $250 collateral release fee?