Answer:
Allowable fees for commercial loans are generally as negotiated by contract subject to any state laws. Federal regulations related to commercial loans are:
UCC, Reg B, Reg C (HMDA), Reg E as it relates to auto debit of payments on loans to individuals, Reg O, Reg U, Reg W, Reg BB (CRA), Flood, Appraisal rules, BSA/CIP. Commercial should have procedures in place to address these and other requirements.
There can be additional regulations required by state law that can require other disclosures.
First published on BankersOnline.com 6/6/11