West Virginia: For licensees under the West Virginia Mortgage Loan Act, W.Va. Code §§31-17-1 et seq., W.Va. Code §31-17-8 states that the licensee may charge the borrower the amount of “additional charges” if a loan is made. "Additional charges" means every type of charge arising out of the making or acceptance of a primary mortgage loan, except finance charges, but does not expressly include insurance tracking fees.

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