Which of the following is not prohibited under RESPA Section 1024.14?

The correct answer highlights that insurer or agent remuneration for services that have actually been performed in the issuance of a title policy is permissible under RESPA Section 1024.14. This section is aimed at eliminating certain practices deemed harmful to consumers, such as kickbacks and unearned fees, which inflate the costs of settlement services and create conflicts of interest.

By allowing remuneration for services that are genuinely rendered, the regulation acknowledges the need for compensation in a legitimate business context. Title agents and insurers play a crucial role in facilitating real estate transactions and ensuring that the policies issued are accurate and effective. Thus, when they receive payment for actual work performed—like examining titles, performing closings, or preparing documents—this practice is aligned with the intention of RESPA to provide transparency and protect consumers from fraud and unnecessary costs.

In contrast, the other options involve practices that are specifically prohibited to safeguard the integrity of the real estate settlement process. These include kickbacks and referral fees which create incentives for unnecessary services, and the sharing of charges that do not correspond to actual work performed, both of which can lead to inflated costs for the consumer. By distinguishing legitimate remuneration for services from prohibited practices, RESPA fosters fair competition and accountability within the industry.