SC Administrative Interpretation No. 2.202, 3.202-1702 distinguishes a transaction fee imposed by the DMV as part of an Electronic Lien and Titling Program versus a fee imposed by a Third Party for filing the document. The fee imposed by the DMV is considered an official fee and is permissible as an additional charge. The fee imposed by a Third Party must be absorbed by the Creditor or included in the Finance Charge. Effective December 12, 2017.