(a) At the time a loan is made, a lender may collect from the borrower:
(1) As to any item of the total property that secures a loan:
(i) The fees paid to a public official or governmental agency for recording or satisfying a mortgage, encumbrance, or lien on any property securing the loan; or
(ii) An equal or lesser amount for nonfiling insurance premium on any property, or portion of the property, that is not recorded if:
1. The Insurance Commissioner approves the rates; and
2. A commission is not paid on the policy; and (2) The title insurance premiums or reasonable attorney’s fees paid for searching and insuring the title to any real property securing the loan.
(b) A lender may collect from the borrower a fee not exceeding $15 if payment is made with a check that is dishonored on the second presentment.