RESPA imposes requirements about or prohibits all of the following except which one?

RESPA, or the Real Estate Settlement Procedures Act, was established to provide consumers with information about the costs associated with their mortgage transactions and to eliminate abusive practices in the real estate settlement process. One of the key aspects of RESPA is its prohibition of certain practices that can lead to increased costs for consumers, such as legal kickbacks and referral fees, which are explicitly outlawed to ensure transparency and fairness in the lending process.

Moreover, RESPA requires that consumers receive specific disclosures regarding their loan costs to help them make informed decisions. This includes information that must be provided at loan application or within three business days. These measures are intended to foster clarity and reduce potential costs that could arise from undisclosed fees or unauthorized financial incentives between service providers.

Given this context, the loan origination fee itself is not prohibited by RESPA; rather, it is a legitimate charge that lenders may impose for processing the loan. RESPA does, however, regulate how this fee is disclosed and allows consumers to understand and compare the costs associated with different loans. Therefore, the loan origination fee is a permissible element within the scope of RESPA, making it the correct selection as the option that does not fall under the requirements or prohibitions set forth by RESPA.