2011 Utah Code
Title 7 Financial Institutions Act
Chapter 7 Savings and Loan Associations Act
Section 34 Charging borrower for expenses and services for real estate loan.

7-7-34. Charging borrower for expenses and services for real estate loan.
Subject to the provisions of Title 70C, Utah Consumer Credit Code, an association may require borrowers to pay all reasonable expenses incurred in connection with the making, closing, disbursing, extending, readjusting, or renewing of real estate loans. Without limiting the generality of the foregoing provisions in this section, these expenses may include appraisal, attorney, abstract, recording, and registration fees, title examination, title insurance, loan insurance, credit report, survey, drawing of papers, escrow services, loan closing costs, and taxes or charges imposed upon or in connection with the making or recording of any loan. Subject to the provisions of Title 70C, Utah Consumer Credit Code, and of applicable federal law, an association may also require borrowers to pay the cost of all other necessary and incidental services rendered by the association or by others in connection with real estate and other loans in such reasonable amounts as may be fixed by the board of directors. Without limiting the generality of the foregoing provisions in this section, these costs may include the costs of services of inspectors, assayers, engineers, and architects. These initial charges shall be approved annually by the board of directors and may be collected by the association from the borrower and paid to any person or persons, including any director, officer, or employee of the association rendering the services, or paid directly by the borrower. Nothing in this section shall limit the right of an association to charge discount points or similar fees for the extension of credit.