Kentucky Revised Statutes Title XXV. Business and Financial Institutions § 286.4-533.Authorized charges for extension of credit

(1) A fee, or premium for insurance, in lieu of perfecting a security interest, except in no event shall the fee or premium exceed the fee payable to public officials for perfecting the security interest;

(2) A returned payment charge of twenty-five dollars ($25) or the amount passed on from other financial institutions and payment processors, whichever is greater, for each check, draft, electronic fund transfer, negotiable order of withdrawal, or electronic payment returned, unpaid, or otherwise dishonored for any reason, which charge the licensee may charge and collect through regular billing procedures, or otherwise, from the borrower;

(3) A reasonable attorney's fee, in connection with the collection of a loan, actually incurred by the licensee and paid or payable to an attorney who is not an employee of the licensee;

(6) Costs or other expenses authorized for a secured party in accordance with KRS 355.9-207 and 355.9-607; and

(7) If the borrower requests loan funding in a manner other than by physical check, a funding fee of three dollars ($3) per loan for distributing the loan proceeds in the manner requested by the borrower.