Q: Are there any limits on fees that may be charged prior to disclosure or application?
A: Yes. A creditor or other person may not impose any fee on a consumer in connection with the consumer’s application for a mortgage transaction until the consumer has received the Loan Estimate and has indicated intent to proceed with the transaction. (§ 1026.19(e)(2)(i)(A))
This restriction includes limits on imposing:
The only exception to this exclusion is for a bona fide and reasonable fee for obtaining a consumer’s credit report. (§ 1026.19)(e)(2)(i)(B); Comments 19(e)(2)(i)(A)-1 through -5 and Comment 19(e)(2)(i)(B)-1)