RESPA: Real Estate Settlement Procedures Act - Federal law that governs referral fees and kickbacks in real estate transactions, particularly Section 8
TILA: Truth in Lending Act - Federal regulation requiring disclosure of credit terms and standardizing how costs are calculated and disclosed
Fair Housing Act: Federal law prohibiting discrimination in real estate transactions based on protected characteristics
Sherman Antitrust Act: Federal antitrust law preventing anti-competitive practices and monopolies in business arrangements
FTC Act: Federal Trade Commission Act governing unfair or deceptive practices in commerce
State Real Estate Licensing Laws: State-specific regulations governing who can engage in real estate activities and referrals
State Consumer Protection Laws: State-specific laws protecting consumers from unfair business practices and fraud
State Referral Fee Regulations: State-specific rules governing the payment and receipt of referral fees
State Anti-Kickback Statutes: State laws prohibiting illegal kickbacks in business transactions
NAR Code of Ethics: Professional standards set by the National Association of REALTORS�� for member conduct
State Real Estate Commission Rules: Regulatory requirements set by state real estate commissions governing professional conduct
State Data Privacy Laws: State-specific regulations governing the collection, use, and protection of personal data
CAN-SPAM Act: Federal law governing commercial email practices and electronic communications
State Contract Laws: State-specific laws governing contract formation, enforcement, and interpretation
Statute of Frauds: Legal requirement that certain contracts must be in writing to be enforceable
