This is basically the same question that you asked in the other forum:
http://www.bankersonline.com/forum/ubbth...590#Post1888590I'm not sure how many ways we can say that whether or not a fee is counted in the points and fees test and whether or not a fee is a finance charge are two very separate things. If you are trying to code the portion of the title insurance that your affiliate keeps as a finance charge, you are going down the wrong road. You need to visit with your vendor on how to code fees for finance charges and the points and fees test, as they are not the same thing.