[Georgia Real Estate] 39, Federal Lending Disclosures and RESPA

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: * The required TRID disclosure delivery timelines for the Loan Estimate and Closing Disclosure. * How RESPA Section 8 prohibits kickbacks, unearned fees, and gifts between settlement service providers. * Why client disclosure does not validate or legalize an impermissible referral fee or kickback. * The distinction between legal broker-to-broker referral fees and illegal payments to unlicensed individuals. * How federal lending rules interact with Georgia real estate closing practices and license laws. Master the Georgia real estate salesperson examination using independent practice materials at https://open-exam-prep.com/practice/ga-real-estate and video guides at https://www.youtube.com/@Open-exam-prep . Sources checked: September 14, 2026 https://www.consumerfinance.gov/ https://grec.state.ga.us/