Mortgage Lending · Compliance & Regulatory
RESPA Section 8 guidance
An internal guide explaining what payments and arrangements RESPA Section 8 allows or bans when settlement business is referred.
What it usually contains
- Plain-language explanation of the kickback and fee-splitting bans
- Rules on marketing service agreements, desk rentals, and co-marketing
- Tests for whether a payment reflects fair market value for actual services
- Guidance on gifts, events, leads, and referral sources like real estate agents and builders
- Affiliated business arrangement disclosure requirements and penalties for violations
What the assistant uses it for
Use it to judge whether a proposed payment, sponsorship, or marketing deal with a referral source is permissible, and to see what documentation and disclosures are required.
How it is versioned
A document of this type has exactly one current version at a time. Upload a revision and it becomes the version that counts — the one before it is kept and dated, but is no longer what your assistant answers from. Nothing is ever deleted, so you can always show what this document said on a given date.
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