What you can charge is up to you and any State law. When you charge is also up to you. You can collect a good faith estimate of these charges at closing and treat it like any other Section A fee on the LE/CD. If you collect them post-closing on a pay-as-you-go basis, then the same good faith estimate would have to be disclosed on the addendum to the LE/CD and they would have to be included in the finance charge (not prepaid) to calculate your APR.
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