For customers that need a longer lock term we offer an "extended lock" usually for loan scenarios where a house is being renovated or constructed. Since these locks are > 90 days we charge the borrower an up-front fee to guarantee that rate for the full lock term. There was some questions as to whether this was allowed under Dodd Frank's compensation plan policy. Is it still OK to charge the borrower the up-front fee for the extended lock period in our Retail Lending and Broker channels?
Thanks very much.

help?!? Is my question not clear enough?

They did not finalize the proposed restrictions on points and fees stating that they needed to do more research. So your rate lock fee is fine for now.

Thanks Dani. I had that paragraph prepared as part of my response. But I was unsure if I was missing something, since I am not a RESPA/TILA subject matter expert.