Advice needed on issues to consider when an application fee is charged on consumer loans, i.e. posted rates remain within tolerance, disclosure as a finance fee on the TIL disclosure, etc. In SC, are application fees rebateable if the loan pays out early; is collateral, term, etc, a factor in whether the loan is rebated? Is there a minimum loan amount at which an app fee may have fair lending implications? Is there a cap on the max interest rate allowed on a minimum loan amount? All assistance is appreciated.