Those are the types of fees that you can't start charging after the fact to your existing borrowers.
When my bank first started, we used a tax service company but did our own insurance tracking. The cost of the tax service (which is one up-front fee for life of loan servicing) was disclosed and charged the to borrower. There was no fee for insurance tracking as that was in-house.
Skip forward a few years. We contracted with a vendor for insurance tracking. There was an upfront fee to my bank plus there is a monthly fee based on the number of loans we have with them. The borrower does not pay any of those fees. That's just the cost of doing business.
We recently shopped around to see if we wanted to stay with our current tax service vendor. If we had changed vendors, new borrowers would have been charge under the new fee schedule. However, the cost to move the existing loans over would not have been passed to those borrowers, even if we had gone with a company that charged monthly fees to monitor in addition to the fee to switch.
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"There should be a critical duration time after which it is perfectly acceptable to bite someone like a raptor." D. Shepherd