Just got an email asking about a very similiar scenario, extend the maturity date of a pre-TRID loan. In the past I believe we would have issued a new TIL, based on the current balance and interest rate, which reflects the fees being charged for the extension - at least one of which is a prepaid finance charge.
The extension is being done prior to the loan's maturity date. I realize there are discussions about pre- vs. post-maturity activity....in this case though, is anything required other than a Change in Terms? TRID confuses this situation even more, at least for me.
We often take for granted the very things that most deserve our gratitude.