RESPA and Consumer Incentives

The Department of Housing and Urban Development's (HUD) RESPA regulations allow providers to offer their customers incentives for using their affiliated settlement services as long as the incentive is genuine.  The following links provide further information about the regulatory rules governing consumer incentives for the purchase of affiliated services.

 RESPRO^® Products

• Consumer Discounts, Rebates, and Incentives: What's Legal and What's Not? (2007 Fall)
• Consumer Incentives, Required Use and the HUD Rule (2009 Annual)

• Ask RESPRO®: Seller Discounts When Specific Title Agent is Used (November 2012)
• Ask RESPRO®: Discounts on Seller-Paid Fees (February 2012)
• Advance Notice of Rulemaking re Required Use in Today's Federal Register
• HUD To Ask for Public Comment on How to Regulate Consumer Incentives (2010)
• Ask RESPRO®: Today's Rules on Consumer Incentives
• RESPRO® Comments on Withdrawal of HUD Rule on Consumer Incentives (2009)
• HUD Delays Effective Date of Builder Incentive Ban; Seeks Comments on Whether to Withdraw and Publish New Proposal (2009)
• HUD Delays Effective Date of Builder Incentive Ban (2009)
• Homebuilders Sue HUD Over Consumer Incentives (2008)
• Consumer Incentives for the Use of Affiliated Services: The Latest Lay of the Land (Andreano) (2008)
• Builder Win Another Consumer Incentive Case (2008)
• HUD Targets Consumer Incentives (March 2008)
• Ryland Homes Decision Upholds Optional Builder Discounts: An Analysis