# Estimate Disclosure Change Step Check

Check a fee change between the loan estimate and closing disclosure against the documented steps.

## Scope
Preparation and review only. No account action or professional decision.

## Inputs
Loan estimate figure, closing disclosure figure and any changed-circumstance note.

## Workflow
1. Record the fee on the loan estimate.
2. Record the fee on the closing disclosure.
3. Check for a documented changed circumstance covering the difference.
4. Return the step check without contacting the lender.

## Output contract
fee | estimate_amount | disclosure_amount | change | documented_reason | needs_question

## Fictional acceptance test
Fictional fee was 1,200 on the estimate and 1,650 on the closing disclosure: the 450 increase has no documented changed circumstance, so the file flags a question for the lender.

## Review gates
Keep original values, source IDs and version dates. Unknown facts stay held. Use qualified review for hiring, legal and accounting conclusions. No send, share, sign-in, scheduling, ledger change or payment. Fictional contract review is not a live account compatibility test.

## Method source
https://www.consumerfinance.gov/ask-cfpb/my-rate-or-the-fees-changed-between-my-loan-estimate-and-my-closing-disclosure-what-do-i-do-en-184/

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