The fee for filing this affidavit is $45, plus whatever the county recording fee is. Do you consider this a finance charge?
Since the purpose of the document is to convert personal property to real property, and can have an effect in both a credit and a cash transaction, I can see an argument for excluding it from the finance charge / APR calculation. I'm also quite comfortable with a more conservative "this benefits the bank, so leave it in" approach.
What do you do?
Opinions are Bartman's, not those of my employer. "A noble spirit embiggens the smallest man."