I hate to rain on what was starting to be a nice day, sunnyflowers, but collecting that fee in a lump at the time of application could be a problem. Under 1026.19(e)(2)(i), the only fee you can collect before you issue a loan estimate and the applicant has indicated an intent to proceed is a "bona fide and reasonable fee for obtaining the consumer's credit report." You'll have to collect the flood zone determination fee separately.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8