Which behavior is considered non-allowable pursuant to RESPA?

The behavior described in this question pertains to the Real Estate Settlement Procedures Act (RESPA), which aims to promote transparency and fairness in the real estate settlement process. RESPA prohibits various practices that may lead to unethical or unlawful conduct in real estate transactions.

The correct answer encompasses all the listed behaviors as they each violate RESPA’s provisions. Accepting fees or kickbacks to induce business is a direct violation as it creates conflicts of interest and can lead to inflated costs for consumers. Such practices not only undermine the integrity of the real estate industry but also harm consumers who are seeking fair and reasonable pricing for services.

Additionally, a lender organizing contests for real estate agents or offering incentives, such as a chance to win a trip for borrowers, falls into the same category of misconduct. These actions could be perceived as attempts to improperly influence or reward parties involved in real estate transactions, which goes against the principles of fair competition established by RESPA.

By including all these behaviors, it is clear that any attempt to pay for referrals or influence real estate decisions through inducements violates RESPA regulations meant to protect consumers and maintain a level playing field among service providers. Thus, the answer reflects a comprehensive understanding of non-allowable behavior under RESPA.