OK - help me, I'm brain dead. If I have an applicant in a flood zone and I require that he purchase flood insurance before I will grant the loan, how do exclude the flood insurance premium from the finance charge? It was not a pre-existing policy and it was written in connection with the transaction.

You disclose it on the HUD 1 or 1A in the 900 & 1000 line items.

Your TIL should have the following similar language:

Flood Insurance: Flood insurance is required. I may obtain flood insurance from anyone I want that is acceptable to you.

Thanks - lost 226.4(d) there for a minute.