Just to expand on Randy's answer, Texas is an example that allows this. Contractually a retailer can charge a fee for a returned check. A bank receiving a bad check can too. Loan contracts must allow for this. Currently we could charge up to $30. This allowance and fee have nothing to do with NSF fees under TISA.
Certain loan types allow fees to be added to the loan, and some do not. So you have state laws to contend with and these may break down into finer components like loan types.
My opinions are not necessarily my employers.
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell