Okla. Stat. tit. 14A, § 14A-3-202: Additional charges

(1) In addition to the loan finance charge permitted by this

part, a lender may contract for and receive the following additional

charges in connection with a consumer loan:

(a) official fees that are itemized and disclosed in

accordance with rules of the Administrator, reasonable

closing costs and taxes, including but not limited to

any tax levied on security instruments or on documents

evidencing indebtedness if the payment of such taxes

is a precondition for recording the instrument

securing the evidence of indebtedness;

(b) charges for insurance as described in subsection (3)

of this section;

(c) charges for other benefits, including insurance,

conferred on the debtor, if the benefits are of value

to the debtor and if the charges are reasonable in

relation to the benefits, are of a type which is not

for credit, and are excluded as permissible additional

charges by rule adopted by the Administrator;

(d) a charge for processing the debtor's application for

credit, including but not limited to costs of services

such as credit reports, credit investigations,

appraisals and fees for preparation of loan-related

documents; and

(e) fees related to any pest infestation or flood hazard

inspections conducted prior to closing.

(2) In addition to the charges permitted under subsection (1)

of this section, a lender may contract for and receive the following

additional charges in connection with a revolving loan account

accessed by a lender credit card or similar arrangement:

(a) annual or membership fees or service charges whether

assessed on an annual or other periodic basis which

entitles the user to purchase goods or services from

at least one hundred persons not related to the issuer

of the lender credit card or similar arrangement,

under an arrangement pursuant to which the debts

resulting from the purchases are payable to the

issuer;

(b) transaction fees or charges for each separate charge

or purchase under the revolving loan account;

(c) cash advance fees for each separate cash advance under

the revolving loan account;

(d) charges for stopping payment at the debtor's request

on any check, negotiable order of withdrawal or share

draft written or issued by the debtor to access the

revolving loan account; and

(e) reasonable charges for services rendered or for

reimbursement of expenses incurred by the lender in

connection with the revolving loan account at the

request of the debtor, including, but not limited to,

search charges and charges for furnishing copies of

documents.

(3) An additional charge may be made for insurance written in

connection with the loan, other than insurance protecting the lender

against the debtor's default or other credit loss:

(a) with respect to insurance against loss of or damage to

property, or against liability, if the lender

furnishes a clear and specific statement in writing to

the debtor, setting forth the cost of the insurance if

obtained from or through the lender, and stating that

the debtor may choose the person through whom the

insurance is to be obtained; and

he debtor's default or other credit loss:

(a) with respect to insurance against loss of or damage to

property, or against liability, if the lender

furnishes a clear and specific statement in writing to

the debtor, setting forth the cost of the insurance if

obtained from or through the lender, and stating that

the debtor may choose the person through whom the

insurance is to be obtained; and

(b) with respect to consumer credit insurance providing

life, accident, or health coverage, if the insurance

coverage is not a factor in the approval by the lender

of the extension of credit, and this fact is clearly

disclosed in writing to the debtor, and if in order to

obtain the insurance in connection with the extension

of credit, the debtor gives specific affirmative

written indication of the debtor’s desire to do so

after written disclosure to the debtor of the cost

thereof.

(4) With respect to a revolving loan account accessed by a

lender or seller credit card or similar arrangement, a lender or

seller may not contract for or receive any penalty, increased annual

fee, or any similar fee or additional charge, because the account

holder pays the account balance in full within a billing cycle, nor

any fee or charge for non-use. This provision shall not prohibit a

lender or seller from contracting for or receiving, with respect to

the applicable portion of a billing cycle, the same annual rate of

loan finance charge, as well as the same cash-advance fee, that

would apply if the account balance were not paid in full within the

billing cycle.