Thank you for your help Randy. I have another "back to the basics" Reg Z question related to Dealer loans. State law requires that a dealer doc prep fee be separately itemized on the sales agreement. However as it relates to the TIL disclosure, since the doc prep fee is charged to cash and credit clients, it is not a finance charge. I am thinking then that the fee is not required to be separately itemized on the TIL, but rather could be included in the total amount paid to the dealership, correct? Other dealer fees such as prepaid service (basic maintenance), storage, freight, environmental (paint sealant) charges may also be rolled into the amount paid to the Dealer on the TIL, and would not need to be itemized correct?