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NAR Settlement Resource Center

NAR Settlement Resource Center

The National Association of Realtors (NAR) settlement related to its cooperative compensation rule is causing a shift in the title and settlement services industries, sparking questions and uncertainty in the marketplace. Our experts are here to provide insight and analysis into the ways this will change how real estate agents are compensated, how potential homebuyers shop for new residences, and what role buyer and listing agents will have in the transaction moving forward. Successful industry professionals will keep up with the changes so they can adapt swiftly to the ever-changing landscape.

Click here to listen to our
Strategies for a post-NAR settlement market webinar.

The RESPA News' NAR Settlement Resource Center is your one-stop resource to monitor the settlement fallout and get in-depth analysis on how the changes will impact your operations. Bookmark this page and check back regularly for the latest articles on the topic from RESPA News.

NAR Settlement Resource Center – what you need to know

Adapting to NAR Settlement's New Realities In-Depth Report

The landmark Sitzer-Burnett v. National Association of Realtors (NAR) settlement in March 2024 had a major impact on the way real estate professionals conduct business. Changes to NAR requirements concerning buyers agreements and compensation offers on MLSs obviously changed how real estate agents do their job. But title insurers and settlement servicers say they are spending more time on closings and altering their operational procedures in order to comply with the new rules. The report takes a deep dive into the effects of the settlement. Thanks to our sponsor SoftPro, this report is available as a free download.

Continuing Coverage

Did the NAR settlement impact commission trends, ‘pocket listings’?
Thursday, April 23, 2026
UPDATED: NAR enters $52M settlement in antitrust class action
Monday, April 13, 2026
NAR enters $52M settlement in antitrust class action
Friday, April 10, 2026
Plaintiffs reach $8.5M settlement with RE/MAX in Batton class action
Monday, April 6, 2026
NAR provides compliance checklist for ‘coming soon’ listings
Thursday, March 26, 2026
Keller Williams settles Batton class action for $20M
Thursday, March 5, 2026
Experts weigh in on MLS consolidation trend following NAR policy change
Thursday, February 5, 2026
What NAR practices did the Sitzer-Burnett settlement change?
Monday, January 12, 2026
The Realty Alliance head details new approach to business post-Sitzer
Monday, January 5, 2026
How do new NAR rules impact settlement service operations?
Wednesday, December 31, 2025

Click here for more NAR Settlement articles


Monthly Newsletter

RESPA News Monthly
June 2026

Cover Story:

RESPert Holly Bunting talks RESPA litigation risk


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12 USC Section 2605 or Section 6 is titled Servicing of mortgage loans and administration of escrow accounts. It pertains to qualified written requests, notices of transfer of servicing and the administration of escrow accounts.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
12 USC Section 2609 or Section 10 is titled Limitation on requirement of advance deposits in escrow accounts. It governs escrow accounts including notifications and statements to borrowers. Section 10 also sets out penalties for those who violate the section.
RESPA Section 3 provides that a thing of value includes any payment, advance, funds, loan, service or other consideration

Regulation X says thing of value includes: monies, things, discounts, salaries, commissions, fees, duplicate payments of a charge, stock, dividends, distributions of partnership profits, franchise royalties, credits representing monies that may be paid at a future date, the opportunity to participate in a money-making program, retained or increased earnings, increased equity in a parent or subsidiary entity, special bank deposits or accounts, special or unusual banking terms, services of all types at special or free rates, sales or rentals at special prices or rates, lease or rental payments based in whole or in part on the amount of business referred, trips and payment of another person’s expenses or reduction in credit against an existing obligation.
A form used by a settlement or closing agent itemizing all charges imposed on a borrower and seller in a real estate transaction. This form represents the closing transaction and provides each party with a complete list of incoming and outgoing funds. RESPA requires the HUD-1 to be used as the standard real estate settlement form in all transactions in the U.S. involving federally related mortgage loans.
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