I have been reading IC 24-4.5-3-201 and 202 and am really confused. I will try to simplify my question. We charge a standard $50 documentation fee. It includes credit report, document preparation, etc. If we were to make a $1,000 auto loan, we would charge the $50 fee and $23 VSI. If we were to make a $20,000 auto loan, we would charge the same fees. Is this in violation of the section mentioned above? In the $1,000 loan, the $50 fee would exceed 2% of the loan, but I just can't get clear on what the code is saying.