Any thoughts - We are looking at implementing a fee for returned mail - loans and deposits. Can't decide if it is outside of the "covered fees" as defined below by Reg DD. Thanks for you input.

b)(4) Fees
1. Covered fees. The following are types of fees that must be disclosed:
i. Maintenance fees, such as monthly service fees
ii. Fees to open or to close an account
iii. Fees related to deposits or withdrawals, such as fees for use of the institution's ATMs
iv. Fees for special services, such as stop-payment fees, fees for balance inquiries or verification of deposits, fees associated with checks returned unpaid, and fees for regularly sending to consumers checks that otherwise would be held by the institution