Management is wanting to use a vendor to prepare the entire loan package which would include the Closing Disclosure. The vendor will charge a fee per file. Management is wanting to pass this fee along to the borrower. I can't get comfortable with this since the fee is for the preparation of the entire loan package which includes the Closing Disclosure. The regulation is very specific regarding not being able to charge a fee for the prep or delivery of the CD. Has anyone else run into this issue? Any thoughts are greatly appreciated.