Department of Housing and Urban Development Proposed Rule. RESPA changes would establish stringent broker fee disclosure rules and revise the good-faith estimate format. In lieu of complying with these changes, lenders and settlement service providers have the option to offer a single, fixed cost mortgage package without fear of violating RESPA’s anti-kickback provision. Status: HUD is working on some changes to address competitive issues. A final rule, reportedly, will be sent to the Office