First, make sure the CloD reflects what was actually paid and by whom. If the borrower didn't pay the appraisal fee, there is no tolerance violation, and no cure is required.
If the CloD was incorrectly completed because it doesn't reflect who paid what, you do need to issue a corrected CloD.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8