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There are various issues to consider with regard to your question, and they should all be addressed by an attorney who specializes in RESPA. In the wake of the1997-2006 United States Housing Bubble and the cloudy business of kickbacks and improper referrals, many aspects of RESPA legislation, rulemaking and enforcement have changed.An initial inquiry, however, can be made to the Consumer Finance Protection Bureau (CFPB), which is a spiffy-new agency born out of the Dodd-Frank Wall Street Reform and Consumer Protection Act. It is important to frame the question as it relates to a marketing agreement since it sounds as if that is what you are trying to accomplish.Something that needs to be determined is whether you should appear on a HUD-1 Settlement Statement or a Good Faith Estimate at all. In the past, simply taking down loan application data -which may include the applicant's contact information- has been deemed to be insufficient to justify a RESPA fee. What type of agreement do you have with the mortgage originator? Does the agreement call for certain work to be performed , and is that work necessary to get to closing, or does it duplicate what others do?Here's some material you can review before consulting an attorney:More InformationWhen is it to Pay a Fee to a Realtor</font>?Marketing Agreementshttps://www.getlowrate.com/pdf/Hud%20s%20guidelines.pdfPage on Hud

Yes, there have been significant changes to the industry mostly outlined in RESPA effective July 21, 2011RESPA - Real Estate Settlement Procedures Act Home Page - HUDI have linked the HUD page, but I will name some highlights:-Lenders are required to be much more up front in all there disclosures. There is a huge importance placed on Good Faith Estimates, and Truth in Lending Statement.-There have been significant restrictions place on how and when Title and escrow companies can market.- Restrictions have been placed on lenders and their marketing too.-HUD-1 statements have been changed to be very clear about closing costs.-Appraisals are all done by independent 3rd parties and lenders / mortgage brokers are not even allowed to talk to the appraiser. ( Agents can but only as they are usually the person who give the appraiser access to the property)There are a lot of rules and restrictions on how mortgage brokers and lender interact, but much of that is on the back end and would be foreign to people outside the industry. These rules, however are still in place to protect the consumer.Prior to RESPA, there were many "Good old boys" club practices, and appraisers, Title, Escrow, and lending, were all in bed together. Ultimately, it has changed for the better.

What's the difference between National Flood Insurance Program (NFIP) and Private Flood Insurance? It depends on what you mean by Private Flood Insurance. The short answer is: "Not Much".The slightly longer answer is below:National Flood Insurance Program (NFIP):The NFIP was born out of the HUD Act of 1968 and offers flood insurance through the Federal Insurance Administration (FIA)[1]. Policies can be purchased through many agents in your locale, and the rates are determined solely by the location (zone) where you home is located and the amount of coverage you desire (subject to a maximum of $250,000 per 1-4 family structure and $100,000 for contents).Private Flood Insurance Market #1 - "Write Your Own":The "Write Your Own" program was started in 1981 when the FIA tried to persuade private-sector insurance companies to participate in the NFIP program[2].The goal was to increase the base of NFIP participation and distribution. By 1988, 200 companies had agreed to sell Flood insurance through this program. Today there are over 80 private insurance that sell and service NFIP policies.[3] Rating is the same as that provided directly by the NFIP.Private Flood Insurance Market #2 - Private Market Flood:In recent years, Private Market Flood has entered the Flood Insurance fray. The major players in this new entry are Lloyds of London and Lexington Insurance (AIG). Available through Through The Flood Insurance Agency,[4] this program offers very similar coverage as provided by NFIP, however does offer the advantage of placing coverage (without a mortgage closing) in 14 days rather than NFIP's 30 day waiting period. Another suggested benefit of this program is that the rate will be lower, and an Elevation Certificate (footnote: Elevation Certificate) is not always required.Disadvantages include the fact that they are currently operation in 37 states leaving 13 without access.Best of luck with your Flood Insurance Needs. Hope this helps!Footnotes[1] Page on fema.gov[2] What Is The Write Your Own Program?[3] What to Know About the New Flood Insurance Program[4] Home