Our customer is divorced but has never filed the divorce decree nor changed the title to the home to his name only. So now, in order to get clear title for a title policy, the title company filed the decree (fee), obtained a copy of the filed decree (fee) and filed a release from the ex-spouse (fee).
Are these settlement charges? Would these fees be part of the settlement agent's fees (for tolerance)? Would any of these be PPFCs for Reg Z APR?
I really have no idea. Help would be greatly appreciated.
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