Una posibilidad.

No obstante, si los "derechos de iniciación" se refieren, como yo creo, a la cuota inicial o de registro, también puede ser "registration fee" o algo por el estilo, mejor que "down payment".

Suerte.

In union shops it's common practice for the employer to deduct union dues from the employees and remit them to the union, even to the extent of deducting the equivalent of union dues from non-union employees and remitting them to the union as a fee for rendering such services as negotiating and representing because the benefits the union negotiates for its members accrue to all the employees.