Minnesota License Law

A licensee in Minnesota who receives a referral fee from a mortgage company for sending clients must:

AKeep the arrangement private
BDisclose the referral fee arrangement to their client✓ Correct
CSplit it equally with their broker
DReport it to the Department of Commerce annually

Explanation

RESPA prohibits kickbacks and unearned referral fees between real estate settlement service providers. If a referral arrangement is permitted (under an Affiliated Business Arrangement), it must be disclosed to the client. Undisclosed referral fees between a licensee and mortgage company violate both RESPA and Minnesota ethics standards.

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