Evaluate the following action and determine whether there is a RESPA violation.

Upon acquiring a mortgage, Wells Fargo required the mortgagee to obtain additional flood insurance coverage because her existing policy did not meet the bank's requirements for insurance. Wells offered that additional insurance, which generally doubled mortgagees' annual premiums but permitted mortgagees to find coverage on their own. [Swain v. Wells Fargo, 54 F. Supp.3d 850 (N.D. 2014).]