Costs of Compliance or "Extra Fees"?

Did you see the recent article in the LA Times with the headline “Mortgage Industry Changes Throw New Hurdles in Borrowers’ Way”?  Is this a preview of what we can expect as we implement new reforms such a RESPA?  I hoped the piece would highlight new processes enacted to help improve the mortgage situation.   Instead, it seemed to make the reforms sound like little more than excuses for charging borrowers junk fees (actually, the article labels them “extra fees” and describes borrowers as getting “hit with” them).   How do you feel about this topic?  Do you think an appraisal that contains newly required additional information should cost more?  What about the closing fee for a RESPA reform compliant settlement?  Is there added value or benefit to the consumer and if so, should these fees pass along to consumers or should the provider bear the costs?  Please send me your thoughts by posting a comment.  This issue begs for further discussion!