Real-estate lending rules, already one of compliance officers' biggest headaches, are about to get even more troublesome.

Under revised Real Estate Settlement Procedures Act rules, customers will have to sign a form before bankers are paid for making referrals to affiliates, such as mortgage banks or insurers. By signing the form, the customers will acknowledge they were not forced to use the subsidiary's services. Currently, banks must make the disclosure to the customer, but a signed form is not required.

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