Real-estate related fees. The following fees in a transaction secured by real property or in a residential mortgage transaction, if the fees are bona fide and reasonable in amount:
(i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes.
I’m still not sure what this "Title Rundown/Record Fee" is, but if it is a fee being charged in connection with the title examination to clear up “title or encumbrance” issues, then I will say it is not a finance charge.
The opinions expressed are mine and they are not to be taken as legal advice.