The title industry is well acquainted with the gray areas surrounding the 1974 Real Estate Settlement Procedures Act (RESPA), which governs how real estate agents, mortgage lenders and title providers interact and bans things like kickbacks.Regulators would like to think that their rules are very black and white, the problem is that black and white creates grey space, Jerra Ryan, the vice president of Firstline Compliance, LLC, told National Settlement Services Summit (NS3) attendees gathered in St. Louis on Tuesday afternoon.
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