Final answer:
The only fee a creditor may collect before providing a Loan Estimate is the Credit Report Fee, which is an exception to the rule prohibiting upfront fees under TRID regulations.
Step-by-step explanation:
The only fee that the creditor may collect prior to providing the Loan Estimate is the: c: Credit Report Fee. According to the regulations set by the Consumer Financial Protection Bureau (CFPB), covered by the Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA) integrated disclosure rule, often referred to as TRID, creditors are prohibited from charging consumers any fees until the consumer has received the Loan Estimate and has indicated intent to proceed with the transaction. The one exception to this rule is a fee to cover the cost of a credit report.