Vermont: For licensees under the Licensed Lender Act, Vt. Stat. tit. 8 §§2200 et seq., Vt. Stat., making federally-related mortgage loans, no express statutory provision. Otherwise, Vt. Stat. tit. 9 § 42 permits licensees to charge borrowers the fees expressly authorized by the statute, which include the reasonable cost of protection against insurable hazards, but the statute does not expressly authorize insurance tracking fees.