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: The debate over single- and dual mortgage packaging appears to have died down in the wake of the Mortgage Bankers