Under which circumstance may Deb lawfully collect undisclosed fees from clients according to West Virginia law?

The only lawful approach for collecting fees in West Virginia is full transparency with clients regarding the fees being charged. This legislation is in place to protect consumers from unexpected and potentially exploitative financial practices. Therefore, any undisclosed fees would violate regulations that mandate clear communication about all costs prior to a transaction.

In West Virginia, mortgage loan originators are required to disclose all fees upfront to clients, ensuring that they understand what they are paying for and under what circumstances. Collecting undisclosed fees would not only breach these regulations but can also lead to legal consequences for the mortgage loan originator. Thus, the correct stance is that under no circumstances may Deb lawfully collect such fees from clients, reinforcing the importance of transparency and consumer protection in mortgage transactions.