An amount charged to a retail buyer in a retail installment contract or retail charge agreement is an itemized charge if the amount is not included in the cash price and is the amount of:
(1) fees prescribed by law for filing, recording, or otherwise perfecting, releasing, or satisfying a security interest created in connection with a retail installment transaction or nonfiling insurance premiums as authorized by Section 345.212;
(2) fees for registration or a certificate of title;
(3) any taxes;
(4) fees or charges prescribed by law and connected with the sale or inspection of the goods or services subject to the contract or agreement;
(5) premiums and other charges for insurance authorized by Subchapter E;
(6) official fees for a construction permit or the filing or recording of a construction permit;
(7) a documentary fee authorized under Section 345.251;
(8) in a retail installment transaction involving modernization, rehabilitation, repair, alteration, improvement, or construction of real property, reasonable and necessary costs, including amounts, paid by the holder:
(A) for title insurance or title examination and opinion that does not exceed the amount set by the commissioner of insurance for title insurance for the transaction;
(B) to a person who is not a salaried employee of the holder for an appraisal or inspection or for investigating the credit standing or creditworthiness of the retail buyer; or
(C) to an attorney who is not a salaried employee of the holder as a legal fee for the preparation of documents in connection with the transaction; and
(9) charges for a debt cancellation agreement under Chapter 354.