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I am reviewing a TRID purchase loan to where the Title company conducted the closing. When the loan processor prepared the closing disclosure the KY Municipal Tax $35.05 to the title company, $56.10 KY Municipal tax to the title company, and $40 to the settlement agent (not us the Bank) were all shown as prepaid finance charges which I understand they are not to be. Is this a violation if they are listed as PFC if they are not? If so how do I write this up as a violation?
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