Minnesota License Law

A Minnesota real estate company offers a buyer's rebate of $1,000 to buyers who use their services. Under Minnesota law, this rebate:

AIs always prohibited as an undisclosed kickback
BMay be permissible if disclosed and compliant with RESPA and lender requirements✓ Correct
CRequires Department of Commerce approval for each transaction
DCan only be given to first-time homebuyers

Explanation

Buyer rebates (rebating commission to buyers) are generally permissible in Minnesota when properly disclosed. The buyer's lender must typically be informed since rebates affect the buyer's actual cash at closing and can impact loan-to-value calculations. While RESPA prohibits kickbacks between settlement service providers, rebates from licensees to their own clients are generally not prohibited kickbacks.

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