Randy, I can speak to PJG2000's situation, and maybe I'm taking an incorrect position, but usually what happens is no one reads the PSA until the CD is being prepared (reading is highly overrated) and then we have an increased borrower costs in H, and we should have reasonably known about it over the past few weeks - is it in good faith to add this fee during the closing event? It hasn't been a question for which I have an easy answer for - so we currently default OTI as a required item on the LE. Maybe the fee isn't in a protected category, but does that change what is in provided to the consumer "In Good Faith"?
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I'm not sure about I'm sure...