Regulatory Risk of 2025

Published on January 22, 2025 / By ActiveComply Knowledge Base

MSA compliance keeps producing the same question for lenders: your marketing services agreement looks fine on paper, but can you defend the valuation behind it if a regulator asks? That question, along with RESPA Section 8 risk, co-marketing cost splits, video content compliance, and the 2025 enforcement outlook.

What You’ll Learn

Does underpaying a marketing services provider below its third-party valuation create RESPA Section 8 risk, and what should you do instead?
How do you determine proportional share on co-marketed digital ads when placement, prominence, and platform vary?
Where is the line between taking a realtor friend to dinner and a RESPA Section 8 violation, according to the CFPB’s own guidance?
What compliance exposure does live video content, open house walkthroughs, and loan officer social posts create, and how do you manage it?
What should compliance officers expect from CFPB enforcement and state-level regulators picking up the slack in 2025?

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