HOA Transfer Fees/Disclosure fees- a small rant!

How many of us have, in the last year, closed a deal here in the Greater Phoenix Market? If you haven't closed one in one of our fine suburbs, allow me to educate you on HOA fees. Most dues are paid monthly and/or quarterly, dependent upon the HOA bylaws. Well, along with everyone else, HOA's have been hit hard by foreclosures. In my humble opinion, they have figured out a way to get their lost dues money back: by charging both the buyer and seller a disclosure and transfer fee. Not only that, but the bank (seller) is required to pay all of the dues while they are the owner, and sometimes are required to pay back HOA fees. So the HOA has not lost any money and is now ahead. On my latest closing, this added up to over $600.00, more than the processing fee at the lender. Most of the deals that I do are with buyers and we ask the seller to cover closing costs, but the banks are now not covering, unless specifically asked for, HOA transfer fees. Some banks will not pay them period. Even my cash buyers are shocked and appalled that they are paying more in transfer and disclosure fees than it is costing them to close the whole deal. There is no regulation on what they can charge either, and the same HOA management company will charge one fee in one subdivision and another in a different one. I have learned the hard way to disclose this to my buyers, but has anyone else had the same experiences? Maybe I am way off base but I just don't understand why it costs $600.00 to set up and send a bill to a new name.