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We get it - this is new and fresh, and you’re wondering - is it too soon to ask your new referral partner to chip in for their meal? Should we go stag or do I look cheap for bringing a “buy 1, get 1” coupon to this dinner?

Even the best first dates can go sideways with one awkward misstep and in mortgage lending, RESPA Section 8 is where that happens fast. A well-intentioned referral or payment decision can quickly turn into a serious compliance problem.

In this session, you’ll learn how to:

• Understand the purpose and scope of RESPA Section 8
• Identify what qualifies as an illegal kickback or unearned fee
• Recognize high-risk fee scenarios that trigger regulatory scrutiny
• Strengthen your understanding of what’s fees can be shared with your marketing partner

Whether you’re working through lender fees, third-party services, or navigating the fine line between permissible and prohibited payments, this session will give you the clarity you need to stay compliant and confident.

From misunderstood comp agreements and surprise clawbacks to regulatory audits and red flags in new LO contracts, LaDonna and Jeana cut through the noise with straight talk, real-world examples, and actionable steps you can take today to protect your income and stay compliant.

In this session, you'll learn:

• The #1 reason LOs lose money when changing companies — and how to protect yourself before you leave
• When clawbacks are actually legal under TRID, Dodd-Frank, and Reg Z — and when they're not
• How to spot vague or unenforceable language in your comp plan before it comes back to hurt you
• Why comp plans don't have to be complicated — and how simplicity protects everyone
• What regulators look for in an LO comp audit and how to make sure your documentation holds up
• Red flags every new or transitioning LO should watch for before signing anything

Whether you're a loan officer, broker, branch manager, or lender, this conversation gives you the clarity to advocate for yourself, structure fairer agreements, and stay ahead of the compliance curve in a shifting regulatory environment.