Court Resolves Volume-Based RESPA Issue Volume discount arrangements between lenders and settlement service providers do not violate RESPA as long as they meet the Department of Housing and Urban Development’s two-part test for yield-spread premiums, according to the 9th Circuit Court of Appeals. Ruling on the plaintiff’s appeal in Lane v. Residential Funding Corp., the appellate court said that volume discounts on settlement services are not “kickbacks,” provided that they are reasonably related to the