Mortgage lenders may have little choice but to bet their legal compliance strategies for the growing online market on the blurry Real Estate Settlement Procedures Act, a consumer protection law that has spawned epic uncertainty in the traditional market for nearly 30 years. RESPA and e-commerce are essentially stellar opposites, according to Jay Varon, a partner at Foley & Lardner law firm. While RESPA frowns upon or prohibits transaction-based fees and fees for the generation