Agency

A West Virginia buyer's agent receives a $500 gift certificate from a lender the agent referred the buyer to. The agent must:

AKeep the gift as compensation for the referral
BDisclose the referral arrangement to the buyer✓ Correct
CReturn the gift immediately to the lender
DReport the gift to the WVREC

Explanation

RESPA prohibits kickbacks for referrals of settlement services. However, even if a particular payment doesn't violate RESPA, receipt of compensation from a third party must be disclosed to the client. The agent must disclose the referral arrangement to the buyer.

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