Answer:
by Randy Carey: If the bank is going to absorb the fee, the CFPB has indicated that it is not necessary to list the fee on either disclosure.
Answer:
by John Burnett: If you decide to list the credit report fee on the closing disclosure, you don't use the old "POC" label. Instead, you put the cost of the report in the column for "Paid by Others" and (optionally) tag it with "(L)" to show it was lender-paid. It won't factor into the amount due to or from the borrower.
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