We allow for borrowers to pay for the appraisal fee through ACH outside of closing. On a rare occasion, someone completes the form incorrectly so we will get a return. There is a fee we are assessed for the return. Is this something we can pass on to the borrower? If so, do we need to do a COC to include the fee. We have considered this the cost of doing business and have not charged it before, but management is now considering if we should charge folks. Just trying to think it through....