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RESPA: Real Estate Settlement Procedures Act - Federal law governing real estate settlements and prohibiting kickbacks. Critical for structuring referral fees and compensation arrangements.

RESPA Section 8: Anti-Kickback provisions that specifically regulate referral fees and business arrangements between real estate service providers.

TILA: Truth in Lending Act - Federal law requiring disclosure of credit terms and protecting consumers in credit transactions related to real estate.

Fair Housing Act: Federal law prohibiting discrimination in real estate transactions based on protected characteristics. Must be considered in referral practices.

Sherman Antitrust Act: Federal antitrust law preventing anti-competitive practices, relevant for structuring referral arrangements between brokers.

State Real Estate Commission Regulations: State-specific rules governing real estate practice, including referral arrangements and broker conduct.

State Licensing Requirements: Specific requirements for maintaining broker licenses and conducting referral business within state boundaries.

State Real Estate Laws: General state laws governing real estate transactions and broker conduct specific to each jurisdiction.

State Antitrust Laws: State-specific regulations preventing anti-competitive practices in real estate transactions.

State Consumer Protection Laws: State laws protecting consumer interests in real estate transactions, including disclosure requirements.

NAR Code of Ethics: National Association of REALTORSยฎ ethical guidelines governing professional conduct and referral practices.

State Real Estate Association Guidelines: Professional standards and guidelines specific to state real estate associations.

Local Real Estate Board Rules: Local-level regulations and requirements for real estate professionals operating within specific markets.

Disclosure Requirements: Mandatory disclosures regarding referral relationships, fees, and business arrangements between brokers.

Fee Splitting Regulations: Rules governing how referral fees and commissions can be split between brokers.

Interstate Transaction Requirements: Special considerations and licensing requirements for referral arrangements crossing state lines.

Commission Structures: Regulations governing how commissions and referral fees can be structured and paid.

Written Agreement Requirements: Legal requirements for documenting referral arrangements between brokers in writing.

Client Consent Requirements: Rules regarding obtaining and documenting client consent for referral arrangements.