In my opinion, it is not considered points. The fee is to extend the rate lock, and nothing else. As for the HUD, we put it in the 800 section. On the GFE, we didnt disclose it up front, since at the time of initial app, there would be no way of knowing if the fee was necessary. If you were aware of it up front, I would disclose it.
Best QB Ever. Worst Defense Ever.