I'll take a stab at this:
There are no RESPA concerns regarding a referral fee on an automobile loan. There are no regulations that prohibit paying a referral fee on an auto loan unless perhaps under State law.
Is the dealer selling the sales contract to the Bank, or is the Bank making the loans directly to the consumer purchasing the vehicle?
If the dealer is selling the sales contract, then you need to be aware of any state law issues concerning indirect lending, and also make sure the dealer is obtaining the CIP information and verification.
If the dealer is simply referring customers to obtain a loan directly from the bank (not unlike CUDL for credit unions I suppose), you still need to ensure that the dealer is conducting CIP according to your bank's program.
In either case, you also need to review the dealer's pricing for fair lending issues. If you are making the loans directly, you may want to make sure there is no disparate impact because of the referral fee.
With respect to sharing information with the dealer regarding the fee - not an issue with an indirect loan since that would fall under _14 or _15 exceptions.
With respect to sharing information with the dealer regarding the fee, you may still have a _15 exception especially since the dealer will already have the name, make and VIN of automobile as well as purchase price and down payment. I can't think of what you would be sharing with the dealer other than the last name, date of sale, ID of the automobile, amount of loan and amount of fee. I see no reason for your institution to share anything beyond that, unless the loans were sold to your bank with recourse.
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CRCM,CAMS
Regulations are a poor substitute for ethics.
Just sayin'