The $195 fee is not standard with a lot of companies, but there are a few in the area that have this and some are quite a bit higher. I'm a Coldwell Banker agent in the Atlanta area, and I'm not a big fan of the fee, but I do understand why it's there.
Coldwell Banker pays a lot of money for marketing and training and just conducting business. Brokers have to keep records for 10 years. They don't, however, have to make it easy for you to get to them should you lose yours. We do. 8 years after you purchase or sell a home, call the Coldwell Banker home office and ask for a copy of your records. Done, and quickly.
Coldwell Banker agents are easily the best trained agents in the area. Working with a Coldwell Banker agent should be a good experience for you, and will more than likely result in a lower price for you at the closing table, even with the $195 fee. There is a reason that I started with them and am still with them. I have more tools at my disposal than most. And I think it's a good thing that a corporate center sets policies. The "every man for himself by however he wants to do it" frame of mind is never a good thing.
Essentially, if I am helping somebody buy and sell, I eat this on both sides for them. I also make some allowances for this. But, I will let you know that if I don't charge it to my client, I have to pay it myself. Just a cost of doing business.
And the point was made earlier - is your agent doing what they are supposed to? Are they going above and beyond your expectations, are they merely adequate, or are you having a frustrating experience? If you are having a great experience, it's a small price to pay. If it's OK, then let your agent pay it, just tell them now. If it's the latter, then go ahead and find another agent. It's easy to kill a buyer-brokerage agreement, and once you sign one with a new agent, your current one goes out the window. And yes, I tell my clients the same thing. And if you have already looked at homes with your agent and used their gas and time, then you owe it to them to at least have the discussion with them. Fire them if necessary, but let them know why.
Hope this helps.