A failure to disclose a fee is both common law fraud and a violation of the Truth-in-Lending Act (TILA). This would enable you to rescind (undo; get out of) the loan if you wanted; or you may have grounds to sue for compensation, such as for the additional lending cost. For free help, try contacting the Federal Trade Commission (FTC), which enforces TILA and the Act's related regulations; and/or contact a lawyer about taking legal action (i.e. suing).