Help!

Wire fees bank charges to customer is a prepaid.

What about a wire fee a title company or atty charges? Still a prepaid?

It depends:

(1) Charges by third parties. The finance charge includes fees and amounts charged by someone other than the creditor, unless otherwise excluded under this section, if the creditor:
(i) requires the use of a third party as a condition of or an incident to the extension of credit, even if the consumer can choose the third party; or
(ii) retains a portion of the third-party charge, to the extent of the portion retained.

If you require that an attorney or title company closes your loan, then yes.

Thanks!