Dislcosing Lender Credits

I just need someone to agree with me on this. I know it has been discussed but I couldn't find the thread. If the lender decides to give a Lender Credit we don't have to re-disclose the GFE because it is causing the fees to go down. Right?

I have had issues with particular secondary market Investors who want us to reissue a GFE documenting the lenders credit, but that would be their policy and not necessarily a RESPA violation, right?

Many want to avoid a "pattern or practice" of giving lender credits that weren't disclosed. Thus the investor requirement.

But on an individual loan not a RESPA issue.