Additional Fees and Charges-those fees and charges which are not specifically authorized by the LCCL but, as determined by the commissioner, are considered not to be inconsistent with the provisions thereof.
Creditor-a person who is a licensed lender as defined in R.S. 9:3516(22).
Petition-a written request of a creditor, in the form of a letter, directed to the commissioner seeking approval of an additional fee or charge and shall include an explanation as to which service or services will be provided and why a creditor believes a certain fee or charge is warranted for such service.
La. Admin. Code tit. 10, § XI-901