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. The rule has not been finalized. No issuance date has