Finance
The Real Estate Settlement Procedures Act (RESPA) prohibits:
ALenders from charging origination fees
BKickbacks and unearned fees paid between settlement service providers✓ Correct
CBorrowers from using gift funds for down payments
DSellers from contributing to the buyer's closing costs
Explanation
RESPA prohibits kickbacks, referral fees, and unearned fees between settlement service providers (lenders, title companies, attorneys, etc.) that increase the cost of settlement services.
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