No revised closing disclosure would be required because the amount was accurate at the time of closing, and the change resulted from subsequent events. A simple refund of the extra $100 is warranted. A credit to the loan account would also do the trick, unless there is a reason for not applying the credit to the loan. Document how you completed the refund, and move on to the next challenge.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8