I have a question in regards to a credit report fee charged by our real estate department for the tri merge credit report they pull. Generally when we do a consumer construction loan we pull a Experian credit report and charge an average fee for the report. This is disclosed on the GFE and HUD. Recently we decided that it would be ok for the branches to utilize the tri-merge credit report pulled by the real estate department for the take out mortgage after construction is complete. This will cut down on the fees to the borrower and inquiries on the credit reports of our borrowers. My question is this, do we need to show the credit report fee charged by the real estate department on the GFE and HUD for the construction loan? If we use an appraisal that the real estate department ordered then we show the appraisal fee on the construction loan GFE and HUD as POC (B), even though the fee is not collected until construction is complete and the end loan is closing. So is the credit report fee still a fee associated with the loan and disclosable on the construction loan? Any help is greatly appreciated. Thank you.