Must we have a "toll free" or "call collect" phone number for periodic mortgage statements and the initial/annual escrow account disclosure statement?

Periodic statements 1026.41(d((6)

(6) Contact information. A toll-free telephone number and, if applicable, an electronic mailing address that may be used by the consumer to obtain information about the consumer's account, located on the front page of the statement.

RESPA Transfer of servicing 1026.43(4)(ii) and (iii)

(ii) The name, address, and a collect call or toll-free telephone number for an employee or department of the transferee servicer that can be contacted by the borrower to obtain answers to servicing transfer inquiries;

(iii) The name, address, and a collect call or toll-free telephone number for an employee or department of the transferor servicer that can be contacted by the borrower to obtain answers to servicing transfer inquiries;

Additionally, the initial and annual escrow statement formats call for a toll free number.

Toll free numbers are pretty much a given when giving options for consumer contact.