Answer:
The GFE and Settlement Statements are not used to determine finance charges, so it doesn't matter if they are listed separately or combined on the RESPA forms. RESPA simply tells us to list them. It may be a software issue if you are breaking them out as non-finance charges (determination) and finance charges (life of loan portion), but it's not a RESPA issue.
First published on BankersOnline.com 4/19/10