Fees exempt form the finance charges under 1026.4, such as title services, are still exempt if charged by an affiliate. Affiliate fees are however included in the fees and charges test for HPML, HOEPA, ATR, etc. and if the service is required and an affiliate is chosen as a provider your estimated fees on the LE are in the 0% tolerance category.
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The opinions expressed are mine and they are not to be taken as legal advice.