According to Federal Reserve Regulation Z, which of the following fees is a finance charge...

Under Federal Reserve Regulation Z, which implements the Truth in Lending Act (TILA), interest is classified as a finance charge because it represents the cost of borrowing the funds over the life of the loan. Finance charges include any fee that a borrower pays as a condition of obtaining the loan, such as interest, points, and certain fees.

Notary fees (A), credit report fees (C), and title insurance (D) are not considered finance charges because they are third-party fees not directly related to the cost of borrowing.