Which of these options does NOT apply to RESPA regulations?

RESPA, or the Real Estate Settlement Procedures Act, primarily focuses on promoting transparency in the real estate closing process by regulating how settlement costs are disclosed to buyers. Key aspects include the requirement for lenders to provide clear disclosure of settlement costs, ensuring borrowers are aware of all fees involved in the transaction.

The prohibition of kickbacks is another significant aspect of RESPA. This regulation prevents any parties involved in the settlement process from receiving kickbacks or referral fees for services not legitimately rendered, thereby avoiding conflicts of interest and promoting fairness in the closing process.

Moreover, RESPA mandates that borrowers receive loan information disclosures, which outline various aspects of the loan terms and implications for the borrower. This helps ensure that borrowers are making informed decisions regarding their financing options.

In contrast, monitoring housing discrimination is not a function of RESPA. While the Fair Housing Act addresses issues of discrimination in housing itself, RESPA is specifically tailored to the settlement process and does not encompass the broader scope of housing discrimination regulations. Thus, it is clear that monitoring housing discrimination does not apply to RESPA regulations, making it the correct choice in this context.