A lender encourages a borrower who receives a federally related mortgage loan from it to

employ an attorney to perform the title searches and related settlement services in connection

with their transaction. The lender and the attorney have an understanding that in return for the

referral of this business, the attorney provides legal services to the lender, or the lender's

officers or employees at abnormally low rates or for no charge.

Is this a violation or not? Discuss