If underdisclosed, the amount of under disclosure would be a prepaid finance charge. Reg Z states that certain charges (security interest charges) are exempt from pre-paid finance charge if itemized and disclosed. So if you didn't disclose part of the fee, you'll have to consider the extra a PP and check tolerance limits. If you've over-disclosed, you're probably OK.
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The more you sweat in training, the less you bleed in battle.......