Well, if you have a separate foreign item collection process that is separate from having an account, then it probably would not need to be in your TISA disclosure. No more of a requirement than what it cost to buy a cashier's check.
As far as the title fee - outside of the TILA disclosure for each loan, I am at a loss as to where you would disclose that unless you have some State requirement to publicly disclose loan charges in some manner.
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