A mortgage broker rents office space from a title company at a discount in exchange for referring customers for settlement services. Which federal law does this arrangement violate?

The arrangement described violates the Real Estate Settlement Procedures Act (RESPA). RESPA is designed to ensure transparency and fair practices in real estate transactions, particularly regarding settlement services. It prohibits any fee-splitting or kickback arrangements that can influence a consumer's decision to select a provider of settlement services, such as title companies.

In this scenario, the mortgage broker is receiving a discount on office space in return for referring customers to the title company, which constitutes a kickback. Such arrangements can create a conflict of interest and can potentially inflate costs for consumers, which is contrary to the protections that RESPA seeks to establish.

Other laws listed, such as the Dodd-Frank Act, Truth in Lending Act (TILA), and the Consumer Financial Protection Act, have distinct focuses. While they address various consumer protections and financial regulations, the specific issue of referral fees and kickbacks in relation to settlement services is a direct violation of RESPA.