RESPA: Real Estate Settlement Procedures Act - Governs real estate transactions and prohibits kickbacks and referral fees in mortgage business
TILA: Truth in Lending Act - Requires clear disclosure of lending terms and costs to protect consumers in credit transactions
ECOA: Equal Credit Opportunity Act - Prohibits discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age, or public assistance status
FCRA: Fair Credit Reporting Act - Regulates the collection, dissemination, and use of consumer credit information
Dodd-Frank Act: Comprehensive financial reform legislation that established the CFPB and introduced new financial regulations and consumer protections
BSA: Bank Secrecy Act - Requires financial institutions to assist government agencies in detecting and preventing money laundering
Gramm-Leach-Bliley Act: Requires financial institutions to explain their information-sharing practices and protect sensitive data
State Licensing Requirements: Various state-specific requirements for loan originators and referral agents to obtain and maintain appropriate licenses
State Usury Laws: State-specific limitations on interest rates and loan terms that can be charged on various types of loans
CFPB Regulations: Consumer Financial Protection Bureau's rules and requirements for consumer lending and referral practices
FTC Guidelines: Federal Trade Commission's guidelines on fair business practices, advertising, and consumer protection in lending
Anti-Kickback Provisions: Legal restrictions on compensation for referrals to prevent illegal kickbacks and fee-splitting arrangements
Privacy Requirements: Federal and state requirements for protecting consumer data and maintaining confidentiality in financial transactions
Disclosure Requirements: Mandatory disclosures about relationships between referral parties, compensation, and consumer rights
