1026.18(l) makes it sound like the actual late charge amount or percentage needs to be included on the TIL for a closed-end consumer loan.

I have a single-pay disclosure that reads "I will look at my note contract documents for information about nonpayment or default". The note agreement clearly states the late payment info and has a seperate heading so it's conspicous.

Is this OK or does this actually have to appear on the TIL?

How can you have a late charge on a single pay note? The note has matured? The payment is not late, the note is in default.