Do you have a legal

[HLS]

Do you have a legal background on this subject
OR are you stating your opinion because you just assume that they can charge ?
Are you familiar with RESPA violations ?
The loan application was withdrawn.
There are laws to protect the consumer.

As a broker, I would never charge a penny over the actual cost of a credit report for a withdrawn loan.(OR cancelled/denied)
Perhaps a bank/credit union can get away with this, I don’t know.

Real Estate Settlement Procedures Act (RESPA) is administered and enforced by the Consumer Financial Protection Bureau (CFPB).
A consumer with a question or complaint related to a mortgage or mortgage servicer, call (855) 411-2372

Another example, you might think that disclosure & delivery requirements for an appraisal are simple.
From the Bureau of Consumer Financial Protection it took 124 pages to clarify & explain the official interpretation of the law:
http://files.consumerfinance.gov/f/201301_cfpb_final-rule_ecoa-appraisals.pdf