The federal Real Estate Settlement Procedures Act (RESPA) a. Provides for settlement of real estate disputes through Alternative Dispute Resolution (ADR) procedures, rather than through costly litigation. b. Regulates the appraisal process, to settle questions of valuation of property, so that mortgage lenders will know how much to lend on any given property. c. Requires the escrow holder to create separate statements for the seller(s) and buyer(s) of real estate, accounting for the monies paid in and disbursed from the escrow account. d. Provides for federal relief (e.g., low-cost loans, federal grants) if property in a designated flood or earthquake district settles, damaging the foundation of any structure (e.g., a house) on the property.