Which law addresses kickbacks, splitting fees, and unearned fees?

The Real Estate Settlement Procedures Act (RESPA) is the law that specifically addresses issues related to kickbacks, splitting fees, and unearned fees. RESPA was designed to protect consumers from abusive practices in the real estate settlement process. It requires disclosures about the settlement process and prohibits certain practices, like kickbacks for referrals of settlement services, which could inflate costs for consumers.

Under RESPA, it is illegal to receive or pay unearned fees, which means that no party should benefit financially without providing a corresponding service. This helps to ensure transparency and fairness in real estate transactions, as it discourages practices that could mislead borrowers or increase their financial burdens.

The other laws listed do not focus on these specific concerns with kickbacks and unearned fees. For instance, the Fair Credit Reporting Act primarily deals with consumer credit information and reporting, while the Consumer Protection Act focuses on broader consumer rights in various areas. The Dodd-Frank Act includes a variety of financial reforms but does not specifically target unearned fees in the same way RESPA does. Thus, the correct answer is B, as it directly pertains to the regulation of kickbacks and fee-splitting in real estate transactions.