Kari, welcome to BOL! It has been a lifesaver for me on many occasions. As Compliance Officer. you sometimes feel like you don't understand a reg, and no one in the bank can help you, BUT BOL CAN! It is just such a relief to know there are others out there who have worked with this stuff and are willing to share that knowledge.
In Wisconsin, we can service charge savings that go under $100, but it has to be disclosed first.