Window to the Law: PHH v. CFPB - Important RESPA Decision

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Real Estate Topics
Real Estate Topics
Your resource for all things Real Estate. Including Legal, Agent & Broker, and Property Rights Issues.
View All
- The Facts for REALTORS®
  Resources and updates on NAR’s settlement agreement related to broker commissions.
  Close
- Marketing
  Social Media
  Sales Tips & Techniques
  MLS & Online Listings
  View More
  Close
- Being a Real Estate Professional
  Starting Your Career
  Being a Broker
  Being an Agent
  View More
  Close
- Residential Real Estate
  Condominiums
  Smart Growth
  Vacation, Resort, & 2nd Homes
  FHA Programs
  View More
  Home Inspections
  Close
- Legal
  Arbitration & Dispute Resolution
  Fair Housing
  Copyright
  View More
  Close
- Commercial Real Estate
  Commercial research and other tools for practitioners to succeed in commercial real estate.
  Close
- More
Close
Membership
Providing Membership Value
Whether you’re a new agent or an experienced broker you have access to a wide array of resources designed to help you succeed in today's market.
- All Membership Benefits
- NAR REALTOR Benefits®
  Bringing you savings and unique offers on products and services just for REALTORS®.
  Close
- Directories
  Complete listing of state and local associations, MLSs, members, and more.
  Close
- Dues Information & Payment
- Become a Member
  As a member, you are the voice for NAR – it is your association and it exists to help you succeed.
  Close
- Logos and Trademark Rules
  Only members of NAR can call themselves a REALTOR®. Learn how to properly use the logo and terms.
  Close
- Your Membership Account
  Review your membership preferences and Code of Ethics training status.
  Close
Close
Research & Statistics
Market Behavior
Including home buying and selling, commercial, international, NAR member information, and technology. Use the data to improve your business through knowledge of the latest trends and statistics.
- Highlights & News
  Get the latest top line research, news, and popular reports.
  Close
- Housing Statistics
  National, regional, and metro-market level housing statistics where data is available.
  Close
- Research Reports
  Research on a wide range of topics of interest to real estate practitioners.
  Close
- Presentation Slides
  Access recent presentations from NAR economists and researchers.
  Close
- State & Metro Area Data
  Affordability, economic, and buyer & seller profile data for areas in which you live and work.
  Close
- Commercial Research
  Analysis of commercial market sectors and commercial-focused issues and trends.
  Close
- Statistical News Release Schedule
Close
Advocacy
Representing Your Industry
NAR is widely considered one of the most effective advocacy organizations in the country.
- Advocacy Issues & News
- Federal Advocacy
  From its building located steps away from the U.S. Capitol, NAR advocates for you.
  Close
- REALTORS® Political Action Committee (RPAC)
  Promoting the election of pro-REALTOR® candidates across the United States.
  Close
- State & Local Advocacy
  Resources to foster and harness the grassroots strength of the REALTOR® Party.
  Close
- REALTOR® Party
  A powerful alliance working to protect and promote homeownership and property investment.
  Close
- Get Involved
  Now more than ever, it is critical for REALTORS® across America to come together and speak with one voice.
  Close
Close
Education
Advancing Your Career
NAR and its affiliated Institutes, Societies, and Councils offer a wide selection of real estate training options.
- All Education & Professional Development
- All NAR & Affiliate Courses
  Continuing education and specialty knowledge can help boost your salary and client base.
  Close
- Code of Ethics Training
  Fulfill your COE training requirement with free courses for new and existing members.
  Close
- Continuing Education (CE)
  Meet the continuing education (CE) requirement in state(s) where you hold a license.
  Close
- Designations & Certifications
  Acknowledging experience and expertise in various real estate specialties, awarded by NAR and its affiliates.
  Close
- Library & Archives
  Offering research services and thousands of print and digital resources.
  Close
- Commitment to Excellence (C2EX)
  Empowers REALTORS® to evaluate, enhance and showcase their highest levels of professionalism.
  Close
- NAR Academy at Columbia College
  Academic opportunities for certificates, associates, bachelor’s, and master’s degrees.
  Close
Close
News & Events
News & Events
Stay current on industry issues with daily news from NAR. Network with other professionals, attend a seminar, and keep up with industry trends through events hosted by NAR.
- NAR Newsroom
  Official news releases from NAR.
  Close
- REALTOR® Magazine
- Blogs
  Commentary from NAR experts on technology, staging, placemaking, and real estate trends.
  Close
- Newsletters
  Stay informed on the most important real estate business news and business specialty updates.
  Close
Close
About NAR
Who We Are
America's largest trade association, representing 1.5 million+ members, including NAR's institutes, societies, and councils, involved in all aspects of the residential and commercial real estate industries.
- Mission, Vision, and Diversity & Inclusion
- Code of Ethics
- Leadership & Staff
  National, state & local leadership, staff directories, leadership opportunities, and more.
  Close
- Committee & Liaisons
- History
  Founded as the National Association of Real Estate Exchanges in 1908.
  Close
- Affiliated Organizations
- Strategic Plan
  NAR’s operating values, long-term goals, and DEI strategic plan.
  Close
- Policies
- Governing Documents
  Code of Ethics, NAR's Constitution & Bylaws, and model bylaws for state & local associations.
  Close
- Awards & Grants
  Member recognition and special funding, including the REALTORS® Relief Foundation.
  Close
- NAR's Consumer Outreach
Close
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Window to the Law: PHH v. CFPB:Important RESPA Decision

Learn how the D.C. Circuit’s decision has removed the cloud of uncertainty surrounding advertising arrangements between settlement service providers.

Window to the Law: PHH v. CFPB - Important RESPA Decision

June 4, 2018

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Additional Resources

RESPA for Real Estate Professionals
videoAugust 5, 2022

Understand the basics of RESPA’s prohibitions on referral fees, fee-splitting and kickbacks to avoid costly penalties.

RESPA

RESPA provides consumers with improved disclosures of settlement costs & to reduce the costs of closing by eliminating referral fees and kickbacks.

NAR Weighs in on CFPB CIDs
May 2, 2018

The CFPB issued a series of Requests for Information (RFIs) on various practices in order to assess the efficiency and effectiveness of the Bureau.