1. Governed by state law.
2. If you expect to collect fees, they must be spelled out somewhere in the contract--consult local counsel for guidance. For loans subject to TIL, "inspection and handling fees for the staged disbursement of construction-loan proceeds" are Finance Charges. If collected at or before closing or withheld from draws at any time, these fees become Prepaid Finance Charges that would be detailed in the Itemization of Amount Financed.
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...gone fishing.