Section 8 prohibits the provision of anything of value in exchange for referral of business.
I think doughnuts would be an extreme example, but if you only give doughnuts to those realtors who send you loan referrals, then it could be an issue.
If you are going to provide Friday snack foods, make sure you spread the doughnut wealth to realtors regardless if they send you business or not.
I used to joke about RESPA as the "Buy a doughnut, go to jail" law. Geez - who thought it would be taken so literally?
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CRCM,CAMS
Regulations are a poor substitute for ethics.
Just sayin'