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Federal real estate Settlement Procedures Act (RESPA) was enacted in 1974.
The purpose of RESPA and Regulation X are to:
*help consumers become better shoppers for settlement closing services.
*eliminate kickbacks and referral fees that unnecessarily increase costs of certain settlement services.
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RESPA law guidelines?
http://www.hud.gov/offices/hsg/sfh/res/respamor.cfm This is Housing and Urban Development's website, the agency that is resposnisble for enforcing RESPA. It is very user friendly and breaks the Act down into plain english. You should be able to find answers to your questions here, or contact a local real estate or RESPA attorney.
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