In charging a renewal fee to extend the maturity date for an exisiting loan, is a separate notice required to inform the customer of this fee? Customer signature required?
Thank you!

The charging of fees is a matter of State law. There are no Federal disclosure requirements on simple extensions.

Whether or not you charge a fee is immeterial. You are modifying the terms of the loan and your loan agreement probably requires a written agreement of the modification.

Would I include the amount of the fee in the modification agreement? Of course! Let's not get into a "he said", "she said" arguement down the road. Not disclosing could be considered deceptive.

Is this a Reg. Z Disclosable Event? No, a subsequent event- but Reg. Z does not require disclosure.

Al