Okay, I have a closed loan and I'm not sure if we should have redisclosed. In December, the loan was approved for $125K with a house and vacant land as collateral. LE was sent out. In January, the vacant land was removed as collateral. It was not redisclosed. Loan amount stayed the same. In February, loan amount increased and the LE was redisclosed. Should we and could we have redisclosed when the vacant lot was removed as collateral?

No - if no fees changed, a change in collateral does not trigger a re-disclosure.

Settlement fees went down. Still no redisclosure?

A decrease in fees never creates a revised LE - you only revise an LE to reset your tolerances.