A charge payable by the consumer and imposed by the creditor as an incident to...

Under TILA/Regulation Z, a finance charge is any charge payable directly or indirectly by the consumer and imposed as a condition of the extension of credit.

“The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable by the consumer and imposed by the creditor as a condition of or an incident to the extension of credit.”

— 12 CFR § 1026.4(a), Regulation Z