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Can a lender charge a borrower a fee for sending documents via courier and disclose it on the HUD-1 where in fact the borrower stops by the lenders office and picks up the documents instead?

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Can a lender charge a borrower a fee for sending documents via courier and disclose it on the HUD-1 where in fact the borrower stops by the lenders office and picks up the documents instead?

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No, because the charge for the courier service does not represent a charge for work actually performed which can be imposed on the borrower.

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