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In Response To:
Thread Starter: BurntSienna
Title: Re: Can we charge a returned item fee on this loan?

The "subject to change" allows you to change/raise a properly disclosed fee (say from $20 to $25 for XYZ). The "subject to change" does not give you the right to charge a new fee for something you didn't disclose. If you haven't disclosed a "returned item fee" then you would have to send out a notice to all existing loan customers that you will begin charging this fee on <date 30 days or more in the future>. Then wait the 30 or more days, then you can begin charging.