So this is kind of weird. The broker, (community bank), wants to provide a credit, (refund borrower for their appraisal, up to a certain amount under certain, equitable conditions), but the 3rd party lender will not allow it, so obviously its not ending up as a "paid by others" on the 3rd party lender provided CD. At this point the broker is refunding money directly to the borrower after closing and it isn't disclosed anywhere. It's a total customer benefit, but I think it should be in a final CD or disclosed somewhere, in the spirit of TRID.

How can the broker provide a credit to the borrower correctly? Or does it even matter?

Thank you!