Truth in Lending: 5.6.9.1.4 Finance charges paid in cash
The second circumstance occurs where finance charges are paid in cash at, or before, closing. The total of payments may reflect the sum of all scheduled payments but not the sum of the finance charge plus the amount financed. This happens because prepaid finance charges that are not financed will not appear in the payment schedule.316 Even though paid in cash, however, they must still appear in the finance charge.317