It includes, without limitation, monies, things, discounts, salaries, commissions, fees, duplicate payments of a charge, stock, dividends, distributions of partnership profits, franchise royalties, credits representing monies that may be paid at a future date, the opportunity to participate in a money-making program, retained or increased earnings, increased equity in a parent or subsidiary entity, special bank deposits or accounts, special or unusual banking terms, services of all types at special or free rates, sales or rentals at special prices or rates, lease or rental payments based in whole or in part on the amount of business referred, trips and payment of another person's expenses, or reduction in credit against an existing obligation. 1% of loan amount. at 50. (2) The loan falls within one of the following categories: (a) Loan made by a lender, creditor, dealer, (b) Loans made or insured by an agency of the federal government, (c) Loans made in connection with a housing or urban development program administered by an agency of the federal government, (d) Loans made and intended to be sold by the originating lender or creditor to FNMA. Appendix B to Part 1024 - Illustrations of Requirements of RESPA; Appendix C to Part 1024 - Instructions for Completing Good Faith Estimate (GFE) Form; Appendix D to Part 1024 - Affiliated Business Arrangement Disclosure Statement Format Notice; Appendix E to Part 1024 - Arithmetic Steps; Appendix MS to Part 1024 - Mortgage Servicing 3046 Brecksville Road, Suite D, Richfield, OH 44286. 3rd party settlement service providers consist of Mortgage Brokers, Real Estate Brokers, attorneys, appraisers inspectors, notaries, credit reporting agencies and title insurers. 1024.34 Timely escrow payments and treatment of escrow account balances. The lender may require a borrower to pay into the escrow account no more than 1/12 of the total of all disbursements payable during the year, plus an amount necessary to pay for any shortage in the account. A settlement service provider may not rent space from another settlement service provider unless its paying fair market value to do so. -affect the value of the property i.e. endstream endobj 3438 0 obj <>/Metadata 246 0 R/Outlines 367 0 R/PageLayout/OneColumn/Pages 3415 0 R/StructTreeRoot 729 0 R/Type/Catalog>> endobj 3439 0 obj <>/Font<>>>/Rotate 0/StructParents 0/Type/Page>> endobj 3440 0 obj <>stream - Permissible changesHUD-1 A plaintiff has up to three years to bring a suit for specific improprieties against their loan servicer. 7 :1 )KK$QDLi 90FB|6q2emFZTm:d [i. (e) Loans that are the subject of a home equity conversion mortgage or reverse mortgage issued by a lender or creditor subject to the regulation. Loans secured by real estate for a business or agricultural purpose are not covered by RESPA. The HUD-1 may be translated into languages other than English. Comment for 1024.38 - General servicing policies, procedures, and requirements. James Chen, CMT is an expert trader, investment adviser, and global market strategist. )%#jF|JD|{XOZia%g_\_\m:@JL Hj"~=SJDhbt81hft[MSiZ;a~8?8@y(#"#QF8EF$~i?R.:Bcy)(8UBQF$EFDH(#"#z25K=K=*OogD2=?HKh;hA;|/~fR.@n^R;ADh=FU14;@9@9@t[X^?ILIqx~:l{zn_. eKJ#/Y>LYXI.nCZ0d^=yVw7v If you want to request a wider IP range, first request access for your current IP, and then use the "Site Feedback" button found in the lower left-hand side to make the request. Examples are referral fees, fee splitting, exchanges for things of value: tickets, money, special rates. Certain transactions are exempt from coverage: (1) A Loan primarily for business, commercial or agricultural purposes. Instead, these loans are subject to disclosure, timing, and other requirements under TILA and Regulation Z. Permissible changesHUD-1A: Consumer Financial Protection Bureau. After 2011, those responsibilities were assumed by the CFPBbecause of theDodd-FrankWall Street Reform and Consumer Protection Act. 6. L. Changes that can be made to the HUD1/GFE. In addition, nothing in RESPA or Regulation X should be construed to preempt the entire field of regulation of the practices covered by RESPA or Regulation X, including the regulations in Subpart C with respect to mortgage servicers or mortgage servicing. Comment for 1024.33 - Mortgage Servicing Transfers, Comment for 1024.34 - Timely Escrow Payments and Treatment of Escrow Balances, Comment for 1024.35 - Error Resolution Procedures, Comment for 1024.36 - Requests for Information, Comment for 1024.37 - Force-Placed Insurance. hDA0ACte!^4( \}BP(BS. 1024.32 General disclosure requirements. (c) No split of charges except for actual services performed. RESPA Section 3 provides that a thing of value includes any payment, advance, funds, loan, service or other consideration. Those are the buyers RESPA is meant to protect, not the professionals. The prescribed form(s) must be used until approval is received, Issuing a Good Faith Estimate when not all information has been provided, B. Major Goals and History. 3 Types of Real Estate Investment Properties, Types of Commercial Real Estate Construction Loans, What First-Time Homebuyers Need to Know About Building a House, Be Prepared for Closing Costs When You Buy a Home, Types of Client Representation in Real Estate Transactions, Regulation X: Real Estate Settlement Procedures Act, 1026.33 Requirements for Reverse Mortgages. RESPA prohibitions, limitations, & exemptions Settlement services Required borrower information on application (Regulation X) Foreclosure process Initial escrow statements Equal Credit Opportunity Act (ECOA), 12 CFR Part 1002 (Regulation B) ECOA permissible acts Critics say this is essentially a kickback mechanism because customers usually elect to use the service providers already associated with their lender or real estate agent (although customers are required to sign documents that say they are free to choose any service provider). "Real Estate Settlement Procedures Act FAQs," Page 10-14. That is the end of it: Court dismisses CFPB redlining complaint against Townstone, Tweets from https://twitter.com/RESPANews/lists/around-the-industry, National Settlement Services Summit (NS3), Delivery 3X a week plus breaking news as it happens, Comprehensive title insurance industry news, Recent acquisitions, mergers, real estate stats, Exclusive in-depth coverage of the industry's hottest stories, Delivery 2X a week plus breaking news as it happens, Be one of the first to know where NS3 is being held, Save on registration with Super-Early Bird rates, Discover the networking opportunities NS3 offers, Find out if CE credits will be offered for your area, Preview the latest RESPAnews.com Top Story, Legal, regulatory and legislative information impacting the settlement services industry, News from HUD, Congress, state legislatures and other regulatory agencies. Know Before You Owe.. Prohibited practices. The term payment is used throughout 1024.14 and 1024.15 as synonymous with the giving or receiving of any thing of value and does not require transfer of money. - Amount of mtg. RESPA does not require lenders to impose an escrow account on borrowers; however, certain government loan programs or lenders may require escrow accounts as a condition of the loan. Consumer waiting longer than 10 days to acknowledge with intent to proceed. One proposal involves removing the option for customers to choose to use any service provider for each service. (7) A bona fide transfer of a loan obligation in the secondary market however, the mortgage servicing requirement still apply. However, RESPA does not protect all types of loans. The following changes and insertions are permitted when the HUD-1 settlement statement is reproduced: 21Purchased420units@$16=6,720July25Purchased250units@$20=5,000Sept. A gift of equity is the sale of a home below the current market value. ebwCvsfF_mv_/O_??,wTObs[b\}kWc{q?Zc1kyZ%{)^5I/;wRoo)-G?I?09K A company may not pay any other company or the employees of any other company for the referral of settlement service business. Comment for 1024.32 - General Disclosure Requirements. However, blank lines or items listed in lines 100-1400 that are not used locally or in connection with mortgages by the lender may be deleted, except for the following: Lines 100, 120, 200, 220, 300, 301, 302, 303, 400, 420, 500, 520, 600, 601, 602, 603, 700, 800, 900, 1000, 1100, 1200, 1300, and 1400. A zombie title is a title that remains with a homeowner who believes they have lost the property to foreclosure. Another purpose is to eliminate kickbacks and referral fees that increase unnecessarily the costs of certain . Not later than 60 business days after receiving the request, the servicer must make any appropriate corrections to the borrowers account, and must provide a written clarification regarding any dispute. Follow the lobbying efforts of all the major national real estate services organizations. The statement shall include a trial running balance for the account They also had the following pharmacy charges: 10 local generic drugs, 5 local brand-name drugs, 7 mail-order generic drugs, and 1 mail-order brand-name drug. Any assumption in which the lender does not have the right expressly to approve a subsequent person as the borrower on an existing federally related mortgage loan. \text{Net Purchases}&153,500&\\ Define the three business types: service, merchandising, and manufacturing. -Amount servicer has selected as a cushion 1. "Real Estate Settlement Procedures Act (RESPA) Examination Procedures.". "Where Can I Find Servicing Related Information About a Lenders Responsibility Under RESPA? The types of loans covered by RESPA include the majority of purchase loans, assumptions, refinances, property improvement loans, and home equity lines of credit (HELOCs). ), H. Required information from a borrower that must be included on an application (Regulation X), I. State laws that are inconsistent with the requirements of RESPA or Regulation X may be preempted by RESPA or Regulation X. 1024.4 Reliance upon rule, regulation, or interpretation by the Bureau. If a large corporation wants a new warehouse or manufacturing facility, they already know precisely what that looks like, the parcel size they need for the facility, parking, and the local zoning laws. One business day before you settle your loan, you have the right to inspect your U.S. Department of Housing and Urban Development (HUD) HUD-1 Settlement Statement. (The statutory exemption restated in this paragraph refers only . Section 6 of RESPA provides borrowers with consumer protections relating to the servicing of their loans. V vs~F (2*@Mn@ps>eH(/mQz!gbW6mi`(Vqm9 5@6 / -0YY> ` H \text{July 25} \hspace{20pt}\text{Purchased 250 units @ \$20} \hspace{15pt} = \hspace{17pt} \text{5,000} \hspace{10pt}\\ . When a person in a position to refer settlement service business, such as an attorney, mortgage lender, real estate broker or agent, or developer or builder, receives a payment for providing additional settlement services as part of a real estate transaction, such payment must be for services that are actual, necessary and distinct from the primary services provided by such person. - No referral fees: No person shall give and no person shall accept any fee, kickback or other thing of value pursuant to any agreement or understanding, oral or otherwise, that business incident to or part of a settlement service involving a federally related mortgage loan shall be referred to any person. When a loan is assumed, and the lender has no rights to approve future persons for the assumption, then the loan is not covered by RESPA. 19Purchased150units@$22=3,300\begin{array}{lrr} Specifically, the aforementioned provisions do not apply to a federally related mortgage loan that: (1) Is subject to the special disclosure (. ) Often custom homes are to be built and the land is used as collateral for a temporary construction loan to get the home built. unless the loan is used as or may be converted to permanent financing by the same financial institution or is used to finance transfer of title to the first user of the property. WagesofworkersoperatingfiltrationequipmentManufacturingoverheadallocatedtofiltrationWater$34,95019,050110,000. The law has gone through a number of changes and amendments . If the proceeds will be used to locate a manufactured home or construct a structure within two years from the date of settlement, the loan is covered. The servicer may include the initial escrow account statement in the basic text or may attach the initial escrow account statement as an additional page to the HUD-1 or HUD-1A settlement statement If a borrower sends a qualified written request to his loan servicer concerning the servicing of the loan, the servicer must provide a written acknowledgment within 20 business days of receipt of the request. An application may either be in writing or electronically submitted, including a written record of an oral application, Knowledge of third party settlement service providers, Third party - means a settlement service provider other than a loan originator. If the lender issues a commitment for permanent financing, it is covered by the regulation. This term is broadly defined in section 3(2) of RESPA (12 U.S.C. A bona fide transfer of a loan obligation in the secondary market is not covered by RESPA and this part, except with respect to RESPA (12 U.S.C. Bridge or Swing loans are not covered by the regulation. and Regulation Z. Your escrows due at closing for insurance and taxes will also be outlined. If you dont use a lawyer throughout your real estate transaction, its best to get in touch with one immediately if you believe a RESPA violation has occurred. Sections 1024.6, 1024.7, 1024.8, 1024.10, and 1024.33(a) do not apply to a federally related mortgage loan: ( 1 . When buying a home, it can be helpful to work with a trust, licensed real estate agent, or broker who can guide you through the process. Comment for 1024.33 - Mortgage Servicing Transfers, Comment for 1024.34 - Timely Escrow Payments and Treatment of Escrow Balances, Comment for 1024.35 - Error Resolution Procedures, Comment for 1024.36 - Requests for Information, Comment for 1024.37 - Force-Placed Insurance. Comment for 1024.39 - Early Intervention Requirements for Certain Borrowers, Comment for 1024.40 - Continuity of Contact, Comment for 1024.41 - Loss Mitigation Procedures, Comment for Appendix MS to Part 1024 - Mortgage Servicing Model Forms and Clauses, Comment for Appendix MS-3 - Model Force-Placed Insurance Notice Forms, Comment for Appendix MS-4 - Model Clauses for the Written Early Intervention Notice. 6@l j q` If the lender issues a commitment for permanent financing, it is covered by the regulation. ", Consumer Financial Protection Bureau. This is another case of the relative experience and knowledge of the participants in the transaction. 543 0 obj <>stream When a thing of value is received repeatedly and is connected in any way with the volume or value of the business referred, the receipt of the thing of value is evidence that it is made pursuant to an agreement or understanding for the referral of business. Policy/Procedures: Adopt policy and comprehensive procedures for implementing RESPA, including an explanation of the coverage of the regulation, exemptions, disclosure requirements, Section 8 prohibitions, escrow and force-placed insurance rules, servicing standards, and other related requirements. Because of these criticisms, there have been many attempts to make changes to RESPA. (e) Agreement or understanding. (d) Partial exemptions for certain mortgage loans. 12 USC Section 2609 or Section 10 is titled Limitation on requirement of advance deposits in escrow accounts. 3. When a loan is made to purchase vacant land, and none of the proceeds of the loan will be used to construct a covered residential structure, the loan is exempt from RESPA oversight. (7) A bona fide transfer of a loan obligation in the secondary market however, the mortgage servicing requirement still apply. "CFPB Consumer Laws and Regulations," Page 6. 461(c), substituted provisions setting forth the liability of persons violating the prohibitions or limitations of this section for provisions setting forth liability, in addition to penalties provided in par. The objective of RESPA is to educate borrowers regarding their settlement costs and eliminate kickback practices and referral feesthat can inflate the cost of obtaining a mortgage. There aren't many residential assumable loans anymore, but VA loans are a notable exception. The expiration date associated with the OMB number listed on the form may be deleted. If a loan for a structure or manufactured home to be placed on vacant or unimproved property will be secured by a lien on that property, the transaction is covered by this part. 1024.34 Timely escrow payments and treatment of escrow account balances. Lenders cannot require borrowers to use a particular affiliate settlement service provider. Class Action 1M or 1% net worth the lesser of the two, HOEPA Outline Predatory Lending, Higher Price, TRID Outline Rule integrating two laws that h, Claudia Bienias Gilbertson, Debra Gentene, Mark W Lehman, Fundamentals of Financial Management, Concise Edition, Donald E. Kieso, Jerry J. Weygandt, Terry D. Warfield. Understanding the Real Estate Settlement Procedures Act (RESPA), Enforcement Procedures for RESPA Violations, Enforcement Procedures for RESPAViolations, U.S. Department of Housing and Urban Development (HUD), How the Real Estate Settlement Procedures Act (RESPA) Works, Bundle of Rights Definition in Real Estate and What's Included, What Is Regulation Z (Truth in Lending)? 1024.8 Use of HUD-1 or HUD-1A settlement statements. Closing costs are the expenses, beyond the property itself, that buyers and sellers incur to finalize a real estate transaction. RESPA also prohibits a lender from charging excessive amounts for the escrow account. RESPA goal is to eliminate these services from driving up the settlement costs. To make it easier for borrowers to understand RESPA disclosures, the Consumer Financial Protection Bureau (the agency that executes the law via regulation) has required that lenders provide prospective borrowers with two disclosure forms to make it easier for them to compare their options: a loan estimate and a closing cost disclosure. Cumminss initial BICS/CALP distinction was elaborated into two \text{Sept. 19} \hspace{16pt}\text{Purchased 150 units @ \$22} \hspace{16pt} = \hspace{17pt} \text{3,300} \hspace{10pt}\\ Disclosure typically given at settlement, but lender has 45 days from settlement to deliver it. Relevant, up-to-date appraisal industry news, Covering the hottest stories and industry trends. If a parcel of vacant land is to be used as the location for an industrial or manufacturing facility, the same expertise and knowledge of the players comes into play. RESPA, along with other regulatory guidelines, is designed to help protect homebuyers and existing homeowners from unfair practices when dealing with real estate agents, brokers, lenders and affiliated companies. 1024.15 Affiliated business arrangements. High prices standing alone are not proof of a RESPA violation. RESPA is applicable to all "Federally Related Mortgage Loans". However, if the loan is made to an individual to purchase or improve a rental property of one to four residential units, then it is regulated by RESPA. It governs escrow accounts including notifications and statements to borrowers. 1024.20 List of homeownership counseling organizations. &\textbf{Company 1}&\textbf{Company 2}\\ The Real Estate Settlement Procedures Act (RESPA) was enacted by the U.S. Congress in 1975 to provide homebuyers and sellers with complete settlement cost disclosures. Real Estate Settlement Procedures Act - RESPA: The Real Estate Settlement Procedures Act, or RESPA, was enacted by Congress to provide homebuyers and sellers with improved disclosures of . RESPA requires lenders, mortgage brokers, or servicers of home loans to provide disclosures to borrowers concerning real estate transactions, settlement services, and consumer protection laws. Bona fide discount point - means an amount equal to 1 percent of the loan amount paid by the consumer that reduces the interest rate or time-price differential applicable to the transaction based on a calculation that is consistent with established industry practices for determining the amount of reduction in the interest rate or time-price differential appropriate for the amount of discount points paid by the consumer. 3465 0 obj <>stream \text{Cost of Goods Manufactured}&&212,000\\\hline Maxine Makitright, president of Good Parts, Ltd., has asked you to develop a model that predicts the number of defective parts per 8-hour work shift in her factory. \\\hline Borrowers should continue to make the required payments until the issue is resolved. italian furniture paramus, nj map of europe in 1914 allied and central powers imagine john lennon wiki. Nor may the prohibitions of this part be avoided by creating an arrangement wherein the purchaser of services splits the fee. Real Estate Settlement Procedures Act (RESPA), 12 CFR Part 1024 (Regulation X) o RESPA origins and purpose o Knowledge of the prohibitions, limitations and exemptions set by RESPA o Types of loans to which RESPA is applicable o Settlement services o Required disclosures to the customer for an MLO who is also a broker RESPA does not applyto extensions of credit to the government, government agencies, or instrumentalities, or in situations where the borrower plans to use property or land primarily for business, commercial, or agricultural purposes. (A captive insurance company is a wholly owned subsidiary of a larger firm that is tasked with writing insurance policies for the parent and does not insure any other company.). The Department of Housing and Urban Development (HUD) originally. 2. Any conversion of a federally related mortgage loan to different terms that are consistent with provisions of the original mortgage instrument, as long as a new note is not required, even if the lender charges an additional fee for the conversion. 7. They each have a specific job to do in evaluating a prospective commercial real estate purchase for suitability. There are also partial exemptions for certain Mortgage Loans. 2. Instead, these loans are subject to disclosure, timing, and other requirements under. (ii) In determining whether provisions of State law or regulations concerning affiliated business arrangements are inconsistent with RESPA or this part, the Bureau may not construe those provisions that impose more stringent limitations on affiliated business arrangements as inconsistent with RESPA so long as they give more protection to consumers and/or competition. 1024.10 One-day advance inspection of HUD-1 or HUD-1A settlement statement; delivery; recordkeeping. hn7_OPq~IIC[pwdL!AZ~RTj1 Prepare a written description of how you would develop a model to estimate and test for the various factors that might influence the number of defective parts produced per shift. 1024.33 Mortgage servicing transfers. If you are human user receiving this message, we can add your IP address to a set of IPs that can access FederalRegister.gov & eCFR.gov; complete the CAPTCHA (bot test) below and click "Request Access". Likewise, if youre refinancing an existing mortgage or borrowing against your home equity, its important to go through a reputable lender. Initial escrow account statement - means the first disclosure statement that the servicer delivers to the borrower concerning the borrower's escrow account. 1024.10 One-day advance inspection of HUD-1 or HUD-1A settlement statement; delivery; recordkeeping. The lender or mortgage broker also must provide a written disclosure when you apply for a loan or within the next three business days if they expect that someone else will be collecting your mortgage payments (also referred to as servicing a loan). in Supplement I. (2) The Bureau may investigate high prices to see if they are the result of a referral fee or a split of a fee. (4) A loan secured by vacant or unimproved property where n proceeds of the loan will be used to construct a one-to-four family residential structure. q17Es hs6m!lCbh56fgN! "Real Estate Settlement Procedures Act (RESPA).". Real estate brokers cannot refer business to an affiliated title company without disclosing that relationship to their customers. It's natural for these services to exchange referrals in the industry. She has provided you with a list of the shifts that she has visited and wants to know if the number of defectives increases or decreases when she visits the factory. Jim Kimmons is a real estate broker and author of multiple books on the topic. Spring Fresh produces premium bottled water. In light of the advisory opinion, anyone who, in a . If necessary, your lender or mortgage broker must provide an Affiliated Business Arrangement Disclosure. \text{Beginning balances:}\\ Investopedia requires writers to use primary sources to support their work. Real Estate Settlement Procedures Act (RESPA), 12 CFR Part 1024 (Regulation X) 1. What Is the Real Estate Settlement Procedures Act (RESPA)? (2) A referral also occurs whenever a person paying for a settlement service or business incident thereto is required to use (see 1024.2, required use) a particular provider of a settlement service or business incident thereto. The format and a completed example for an initial escrow account statement are set out in Public Guidance Documents entitled "Initial Escrow Account Disclosure StatementFormat" and "Initial Escrow Account Disclosure StatementExample", available in accordance with 1024.3 Normally, loans secured by real estate for a business or agricultural purpose are not covered by RESPA. 7. The value of a referral (i.e., the value of any additional business obtained thereby) is not to be taken into account in determining whether the payment exceeds the reasonable value of such goods, facilities or services. (1) State laws that are inconsistent with RESPA or this part are preempted to the extent of the inconsistency. For example, Section 8 prohibits any person from giving or receiving something of value in exchange for referrals of a settlement service business. Law as used in this section includes regulations and any enactment which has the force and effect of law and is issued by a State or any political subdivision of a State. The Filtration Department completely processed 200,000 liters in February. The Good Faith Estimate Has Been Replaced by the Loan Estimate. The initial escrow account statement shall indicate the amount that the servicer selects as a cushion. RESPA also outlines certain prohibited practices by those involved in the real estate settlement. 1024.6 Special information booklet at time of loan application. (i) Appendix B of this part. (7) Secondary market transactions. gaxzs-7 /?N8;c3 kNM(Iz}vv>n#&'J:k?o6+WZ|>aVtH5C`W_;Y8]=9#Ar>D)v1>Y.fBRB8q=YuNasviX87mZ3\?'}{zjutQIzbv:wP:q$J od'th=g1rg4ZAD]';M>* IDENTIFICATION OF PAYEES: Loan types covered by RESPA are many, but there are several loan types specifically exempt from the law. In part two of this RESPA basics multi-part series, RESPA News reviews Section 8 and the prohibition against kickbacks and unearned fees, as well as exceptions to the law. The relatively greater sophistication of the professional investors, buyers, and sellers are in stark contrast to the first-time homebuyer or someone who has only purchased a couple of homes in their lifetime. Knowledge of third party settlement service providers. &SG>Jpf|^$|"Fv^|+/|? Any assumption in which the lender's permission is both required and obtained is covered by RESPA and this part, whether or not the lender charges a fee for the assumption. In real estate, a kicker is an added expense to get a loan approved. %%EOF Section 8 of RESPA prohibits a person from giving or accepting any thing of value for referrals of settlement service business related to a federally related mortgage loan. Consumer Financial Protection Bureau. Any construction loan for new or rehabilitated 1- to 4-family residential property, other than a loan to a bona fide builder (a person who regularly constructs 1- to 4-family residential structures for sale or lease), is subject to this part if its term is for two years or more. \hline\\ An agreement or understanding for the referral of business incident to or part of a settlement service need not be written or verbalized . Knowledge of the prohibitions, limitations and exemptions set by RESPA. Civil 10K or 1year jail (5) An assumption, unless the mortgage instruments require lender approval for the assumption and the lender approves the assumption. 2. Requirements / Recommendations. 12 USC Section 2605 or Section 6 is titled Servicing of mortgage loans and administration of escrow accounts. It also regulates the use of escrow accountssuch as prohibiting loan servicers to demand excessively large escrow accountsand restricts sellers from mandating title insurance companies. Real estate brokers and title insurance companies cannot create an affiliated company to collect dividends from referrals. 1024.38 General servicing policies, procedures, and requirements. This disclosure indicates that the lender, real estate broker, or other participant in your settlement has referred you to an affiliate for a settlement service.

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