Just show them this:
4. Real estate commissions. The amount of real estate commissions pursuant to § 1026.38(g)(4) must be the total amount paid to any real estate brokerage as a commission, regardless of the identity of the party holding any earnest money deposit. Additional charges made by real estate brokerages or agents to the seller or consumer are itemized separately as additional items for services rendered, with a description of the service and an identification of the person ultimately receiving the payment.
And while 1026.38(t)(5)(v) allows separation of some seller and borrower information, the borrower must get everything that is required to be disclosed on Page 2 of the CD.
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