RESPA forbids a person from either accepting or giving anything
which is of great importance to the referrings for agreement service businesses
related to a confederately related to the mortgage loan.
It also prohibits a person from accepting or giving any part of
a charge for services that are not performed. These are also known
as recoils, fee-splitting and unearned fees.
RESPA prohibits home sellers from entailing home buyers to buy
their services of settlement from a specific company either
indirectly or directly, as the condition of a sale.
RESPA also prohibits a lender from charging immoderate amounts
for the escrow account
It also prohibits a person from giving or accepting any part of
a charge for the services that are not performed.