It has been a long day... we are closing a loan for a purchase of a primary residence. In looking at the examination handbook f/c chart it appears that

Notary fee is not a f/c in a residential mtg transaction .. Y or N

Closing Fee paid to an escrow company is a f/c as long as we do not require the service Y or N

If we do require the service (i.e. we cannot close the loan in house ) then the fee is not included as a f/c Y or N

I am hoping tomorrow will be better & thank you for your help!

From 1026.4:

(c)(7) Real-estate related fees. The following fees (are excluded from the finance charge)in a transaction secured by real property or in a residential mortgage transaction, if the fees are bona fide and reasonable in amount:

(iii) Notary and credit-report fees.

You have the closing fees backwards:

(a)(2) Special rule; closing agent charges. Fees charged by a third party that conducts the loan closing (such as a settlement agent, attorney, or escrow or title company) are finance charges only if the creditor:

(i) Requires the particular services for which the consumer is charged

Thank you so much...