If you waive your own fee there is no need to disclose it because it would not be a settlement charge being paid, unless you are going to pay yourself the fee for some accounting reason.
Tell your investor to review the Commentary to 226.4.
Costs of doing business. Charges absorbed by the creditor as a cost of doing business are not finance charges, even though the creditor may take such costs into consideration in determining the interest rate to be charged or the cash price of the property or service sold. . . . .
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The opinions expressed are mine and they are not to be taken as legal advice.