How does RESPA protect consumers? Unset starred question By eliminating illegal kickbacks and referral fees among settlement service providers and requiring lender disclosures as part of a residential real estate transaction involving credit By prohibiting settlement service providersincluding real estate professionalsfrom discriminating during a residential real estate transaction By requiring all settlement service providers to restrict their fees to only those types and amounts that Regulation X allows By requiring that settlement companies provide an attorney to represent the borrower's interests at no cost to the borrower as part of a residential real estate transaction involving credit.