When in doubt, include the fee?

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Question:

We live by the axiom “When in doubt, include the fee in the finance charge.” Doesn't that protect us from violations?

Answer:

Understating the APR and finance charge is a serious violation that may result in damages. Overstatement is still a potential, but less damaging, problem. The safest practice has always been, and continues to be, to provide a completely accurate disclosure of these two items.
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Loan Fee Disclosures