The Real Estate Settlement Procedures Act, or RESPA, is a federal act passed in 1974 which covers residential properties of 1-4 units. Before RESPA, real estate professionals and closing service providers were charging customers unnecessary fees to close on their homes. In this course, we will examine Sections 8-10 of RESPA, which cover consumer protections in the law. Specifically, we'll talk about how the law deals with kickbacks, title insurance, and escrows.