An increase in fees and issuance of a revised Loan Estimate to reflect the new amounts is permitted in which of the following cases?
A. The creditor failed to provide an accurate estimate of transfer taxes and wants to issue a revised Loan Estimate showing actual costs
B. The consumer is not allowed to shop for flood zone determination services and the actual costs are more than the estimated costs
C. The title company affiliated with the lender decides to charge more for its services than initially disclosed
D. The consumer has failed to respond to a loan officer within ten business days and the lending terms have changed
