Somewhere in the past it was drilled into me that the bank could NOT collect any fees (appraisal, TO, etc.) when an application is denied or withdrawn - however, i have been unable to support that information. I have looked in TIL, RESPA and REG B. From what i am finding we can charge those fees once the "disclosures" have been provided - except for a credit report fee and that may be collected prior to "disclsoures" ---