OK.....so what does THIS mean?
(g) Exemptions for fees, salaries, compensation, or other payments.
(1) The following are permissible:
(v) A payment pursuant to cooperative brokerage and referral arrangements or agreements between real estate agents and real estate brokers. (The statutory exemption restated in this paragraph refers only to fee divisions within real estate brokerage arrangements when all parties are acting in a real estate brokerage capacity, and has no applicability to any fee arrangements between real estate brokers and mortgage brokers or between mortgage brokers.)
RESPA is written in Greek, I think.