In the course of his presentation, Ray Wenger made the point that the Department's view is that separate charges for digital docs, e-recording and the like need to be "rolled up" into the closing services fee rather than charged separately.
(While it is perfectly appropriate to provide the customer with a separate breakout of what is included in the closing services charge -- the total amount must be included on line 1101 of the HUD-1 and measured against GFE tolerances. -Alan)