Classify settlement-service payments using the RESPA actual-service and referral-risk frame.
Sort each payment into the RESPA bucket that fits best. Actual service documented Referral-risk review Disclosure or consumer-choice issue Stop until compliance approves Title search fee with search log, examiner notes, and rate card Bonus for each buyer who chooses the preferred title agency Joint mailer paid 80 percent by lender with no cost allocation backup Affiliate title agency selected after required disclosure and free-choice notice Attorney closing fee for conducting settlement and issuing closing opinion Free desk space at broker office tied to monthly loan volume Lunch-and-learn with documented education agenda and no referral condition Buyer told seller credit…
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