Kentucky: For licensees under the Mortgage Loan Company and Mortgage Loan Broker Act, Ky. Rev. Stat. §§294.010 through 294.990, Ky. Rev. Stat. § 294.120 permits a mortgage loan company to require borrowers to pay all necessary and reasonable expenses incurred in connection with the making, closing, disbursing, extending, readjusting, or renewing of loans. The statute does not expressly address insurance tracking fees.

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