The Real Estate Settlement Procedures Act (RESPA) prohibits all of the following EXCEPT kickbacks paid to brokers. referral fees paid to brokers. mandatory use of a title insurance company. disclosure of closing costs prior to the closing. QUESTION 2 The Real Estate Settiement Procedures Act (RESPA) was enacted by Congress to provide each of the following EXCEPT O prohibition of referral fees. prohibition of mndating a specific title insurance company. a maximum level of dosing costs, limitations on monthly reserves or escrow payments.