total cost of the credit to the consumer

67all costs, including interest, commissions, taxes, valuation fees, and any other fees which are required to be paid by, or on behalf of, the consumer in connection with the MCD credit agreement. This covers costs payable to the MCD creditor or to any other person which are known to the MCD creditor. It also includes, in calculating the APRC, the costs referred to in MCOB 10A.1.2 R and any fee payable by the consumer to an MCD credit intermediary for its services in connection with the MCD credit agreement. It does not include notarial costs, property transfer registration fees and any charges payable by the consumer for non-compliance with obligations under the MCD credit agreement. [Note: articles 4(13), 15(4) and 17(2) of the MCD]