<p>作者：Aarthi Swaminathan</p>
<p>Rocket Companies 被指控违反 1974 年禁止回扣的法律</p>
<p>一项集体诉讼指控 Rocket Companies 非法引导购房者选择 Rocket 的抵押贷款。Rocket 否认这些指控。</p>
<p>三名购房者已对抵押贷款巨头 Rocket Companies (RKT) 提起集体诉讼，指控其非法引导购房者使用 Rocket 的贷款服务。</p>
<p>根据诉讼，购房者指控该公司利用他们的处境，强迫他们使用 Rocket 的抵押贷款公司，尽管 Rocket 提供的贷款方案对购房者来说是 &#34;不利的&#34;。</p>
<p>该案件由 Hagens Berman 律师事务所提起，该事务所还曾代表房屋卖家对全国房地产经纪人协会提起诉讼，指控房地产经纪人合谋抬高房地产佣金。该案件于 2024 年以 4.18 亿美元和解。</p>
<p>Rocket 的发言人告诉 MarketWatch：&#34;我们坚决不同意，并将对 Rocket、Redfin 或任何被指控的被告所做的任何非法行为提出异议。&#34;</p>
<p>Rocket 于 2025 年收购了房地产经纪公司 Redfin，旨在成为一个一站式服务平台，使购房过程更快、更简单。</p>
<p>诉讼中被指控的被告包括 Rocket Companies、Rocket Mortgage、Amrock Holdings（现称 Rocket Close）和 Rocket Homes Real Estate。</p>
<p>Rocket 的发言人补充道：&#34;本案中的指控完全是对 [消费者金融保护局] 提起的案件的重提，该案件很快被驳回，&#34;指的是政府消费者监督机构在 2024 年提起的诉讼，该诉讼也指控 Rocket 非法引导借款人选择其自有的抵押贷款部门。</p>
<p>Rocket 的发言人表示：&#34;Rocket 自豪于帮助购房者应对复杂的房地产合作关系。我们相信，一旦事实被呈现，我们将得到证明。&#34;</p>
<p>针对美国最大抵押贷款机构之一的诉讼突显了消费者在购房这一复杂过程中可能面临的脆弱性。</p>
<p>购房是大多数美国人所做的最大投资之一，但诉讼指出：&#34;这一过程的负担因购买和融资房屋的模糊和复杂的规则而加重。&#34;</p>
<p>许多购房者&#34;对购房和贷款过程没有充分的理解，&#34;律师在投诉中写道。&#34;因此，他们通常别无选择，只能依赖房地产经纪人，而房地产经纪人有信托责任代表他们并服务于他们的最佳利益。&#34;</p>
<p>原告律师表示，Rocket Mortgage 迫使购房者认为他们别无选择，只能使用 Rocket 作为抵押贷款提供商。</p>
<p>诉讼还指控，房地产经纪人通过 Rocket 被推荐给潜在购房者，并且为了获得客户线索，必须将客户引导至 Rocket Mortgage，&#34;这完全违反了房地产经纪人对客户的信托责任。&#34;</p>
<p>不要盲目跟随经纪人的建议</p>
<p>需要明确的是，购房者不一定需要选择他们的经纪人建议的抵押贷款机构。</p>
<p>研究表明，向不同的贷款机构进行比较和购物可以为购房者节省大量资金。</p>
<p>根据 LendingTree (TREE) 的一项分析，购房者通过比较可以在其 30 年固定利率贷款的整个生命周期中平均节省 80,000 美元。在加利福尼亚等高成本州，购物的潜在终身节省额接近 120,000 美元。</p>
<p>随着房价接近历史高点，抵押贷款利率在借款人负担得起房屋的能力中起着关键作用。</p>
<p>Realtor.com 在 10 月进行的另一项分析发现，如果购房者将其信用评分从 &#34;良好&#34; 提高到 &#34;非常好&#34; - 即从 660 到 720 的范围提高到 720 到 760 的范围 - 他们可以获得低 11 个基点的利率，并在贷款的整个生命周期中节省超过 8,500 美元。</p>
<p>(Realtor.com 由 News Corp 子公司 Move Inc. 运营；MarketWatch 的出版商 Dow Jones 也是 News Corp 的子公司。)</p>
<p>Realtor.com 的高级经济学家 Jake Krimmel 在报告中表示：&#34;即使在抵押贷款利率持续高企的艰难购房市场中，仍然有策略的空间。&#34;</p>
<p>他补充道：&#34;专注于你可以控制的事情 - 提高信用、储蓄更多和比较报价 - 可以在可负担性上产生显著差异。&#34;</p>
<p>购房者指控 Rocket 的行为</p>
<p>三名购房者在诉讼中声称，他们被迫与 Rocket 签订贷款。</p>
<p>在乔治亚州道格拉斯维尔，一名在 2022 年 4 月购房的买家表示，她的房地产经纪人强迫她使用 Rocket Mortgage，并没有向她提供其他抵押贷款选择。</p>
<p>诉讼指出，该买家&#34;不知道，也不可能合理地知道，Rocket Mortgage 与房地产经纪人的安排迫使他们在违反联邦法律的情况下将客户引导至 Rocket Mortgage。&#34;</p>
<p>诉讼指控 Rocket 与房地产经纪人之间存在一种安排，迫使他们在申请抵押贷款时施压购房者使用 Rocket 的抵押贷款公司，以换取未来客户（买家或卖家）的推荐。</p>
<p>根据 1975 年名为《房地产结算程序法》的联邦法律，以费用或回扣为交换引导消费者选择某些抵押贷款是非法的。</p>
<p>在北卡罗来纳州肯利，另一名在 2023 年 12 月购房的买家表示，他们被房地产经纪人强迫使用 Rocket 来融资购房，并被迫使用另一家 Rocket 旗下公司进行产权和评估服务。</p>
<p>在宾夕法尼亚州皮茨菲尔德，第三名在 2021 年 6 月购房的买家表示，诉讼指出他在选择抵押贷款机构时&#34;感到没有其他选择。&#34;</p>
<p>根据诉讼，这种所谓的引导最终使原告蒙受了经济损失，因为 Rocket Mortgage 提供了 “低标准的贷款方案，收取更高的利率，并为购房者提供更少的节省机会。”</p>
<p>Hagens Berman 的管理合伙人兼联合创始人 Steve W. Berman 在一份声明中表示，正当这些买家准备购房时，“Rocket 试图通过施压购房者进入不良贷款来获利，这不仅是非法的，而且是不道德的。”</p>
<p>相关：Rocket-Redfin 交易可能使购房更加便利——但也更昂贵</p>
<p>如果诉讼中的指控属实，Rocket 向房地产经纪人提供买家推荐，以换取将他们引导至 Rocket Mortgage，这就构成了 “企业贿赂，” 范德比尔特政策加速器的竞争与监管政策主任 Brian Shearer 告诉 MarketWatch。</p>
<p>该案件于 1 月 26 日在美国密歇根州东区地方法院提起。</p>
<p>该集体诉讼建立在 2024 年消费者金融保护局的先前调查基础上，该局也指控 Rocket Homes 将潜在借款人引导至该公司。例如，CFPB 在一项诉讼中声称，一名房地产经纪人向向其公司偏爱的合作伙伴（包括 Rocket Mortgage）推荐最多的经纪人提供 250 美元的礼品卡奖励。</p>
<p>该诉讼于 2025 年 2 月被特朗普政府驳回。</p>
<p>为什么引导在联邦法律下是非法的</p>
<p>RESPA 禁止的回扣 “曾经是秘密传递的现金，但现在已经被那些将贿赂内置于其平台的科技公司所正常化，” Shearer 在范德比尔特政策加速器表示。</p>
<p>Shearer 在 2021 年至 2024 年期间担任 CFPB 的高级顾问。RESPA 最初由美国住房和城市发展部执行；CFPB 成立于 2011 年后接管了执法工作。</p>
<p>“无论是数字还是模拟，这些回扣通过增加成本并将客户引导至更昂贵的选项来推高价格，” 他补充道。</p>
<p>特朗普政府自那时起削弱了 CFPB，该机构在过去几个月中大幅减少了执法力度。</p>
<p>“在一场可负担性危机中，尤其是在抵押贷款利率已经很高的情况下，这正是我们不应削减像 CFPB 这样的企业执法机构资金的完美例证，” Shearer 说。</p>
<p>截至周二下午 3:40，Rocket Companies 的股票交易下跌约 1%。</p>
<p>-Aarthi Swaminathan</p>
<p>此内容由 MarketWatch 创作，MarketWatch 由道琼斯公司运营。MarketWatch 与道琼斯新闻社和《华尔街日报》独立出版。</p>
<p>（结束）道琼斯新闻社</p>
<p>01-27-26 1731ET</p>

<p>一项针对 Rocket Companies 的集体诉讼已被提起，指控这家抵押贷款公司非法引导购房者选择其自有的抵押贷款服务，原告声称这些服务对他们不利。诉讼强调了消费者在复杂的购房过程中所面临的脆弱性，并指控房地产经纪人受到压力，要求将客户引导至 Rocket Mortgage，违反了他们的信托责任。Rocket 否认这些指控，声称他们将对这些主张进行抗辩，并坚持致力于帮助购房者顺利进行房地产交易</p>

<p>By Aarthi Swaminathan</p>
<div class="lb-trans"><p>作者：Aarthi Swaminathan</p>
</div><p>Rocket Companies is accused of violating a 1974 law which prohibits kickbacks</p>
<div class="lb-trans"><p>Rocket Companies 被指控违反 1974 年禁止回扣的法律</p>
</div><p>A class-action lawsuit accuses Rocket Companies of illegally pushing home buyers toward Rocket's mortgages. Rocket denies the charges.</p>
<div class="lb-trans"><p>一项集体诉讼指控 Rocket Companies 非法引导购房者选择 Rocket 的抵押贷款。Rocket 否认这些指控。</p>
</div><p>Three home buyers have filed a class-action suit against mortgage-lending giant Rocket Companies (RKT), alleging that it illegally steered the buyers into using Rocket's lending services.</p>
<div class="lb-trans"><p>三名购房者已对抵押贷款巨头 Rocket Companies (RKT) 提起集体诉讼，指控其非法引导购房者使用 Rocket 的贷款服务。</p>
</div><p>The buyers accused the company of exploiting them and pushing them to use Rocket's mortgage company, even though the loan packages offered by Rocket were &#34;disadvantageous&#34; to the buyers, according to the lawsuit.</p>
<div class="lb-trans"><p>根据诉讼，购房者指控该公司利用他们的处境，强迫他们使用 Rocket 的抵押贷款公司，尽管 Rocket 提供的贷款方案对购房者来说是 &#34;不利的&#34;。</p>
</div><p>The case was filed by the law firm Hagens Berman, which also represented home sellers in a lawsuit against the National Association of Realtors that alleged real-estate brokers were conspiring to inflate real-estate commissions. That case was settled in 2024 for $418 million.</p>
<div class="lb-trans"><p>该案件由 Hagens Berman 律师事务所提起，该事务所还曾代表房屋卖家对全国房地产经纪人协会提起诉讼，指控房地产经纪人合谋抬高房地产佣金。该案件于 2024 年以 4.18 亿美元和解。</p>
</div><p>&#34;We categorically disagree and will dispute the allegations that Rocket, Redfin or any of the named defendants are doing anything illegal,&#34; a Rocket spokesperson told MarketWatch.</p>
<div class="lb-trans"><p>Rocket 的发言人告诉 MarketWatch：&#34;我们坚决不同意，并将对 Rocket、Redfin 或任何被指控的被告所做的任何非法行为提出异议。&#34;</p>
</div><p>Rocket acquired real-estate brokerage Redfin in 2025 with the aim of becoming a one-stop shop where the home-buying process would be faster and less complicated.</p>
<div class="lb-trans"><p>Rocket 于 2025 年收购了房地产经纪公司 Redfin，旨在成为一个一站式服务平台，使购房过程更快、更简单。</p>
</div><p>The named defendants in the lawsuit are Rocket Companies, Rocket Mortgage, Amrock Holdings - which is now known as Rocket Close - and Rocket Homes Real Estate.</p>
<div class="lb-trans"><p>诉讼中被指控的被告包括 Rocket Companies、Rocket Mortgage、Amrock Holdings（现称 Rocket Close）和 Rocket Homes Real Estate。</p>
</div><p>&#34;The claims in this case are a complete retread of the case that the [Consumer Financial Protection Bureau] filed and was quickly dismissed,&#34; the Rocket spokesperson added, referring to a 2024 lawsuit filed by the government consumer watchdog, which also accused Rocket of illegally steering borrowers toward its own mortgage division.</p>
<div class="lb-trans"><p>Rocket 的发言人补充道：&#34;本案中的指控完全是对 [消费者金融保护局] 提起的案件的重提，该案件很快被驳回，&#34;指的是政府消费者监督机构在 2024 年提起的诉讼，该诉讼也指控 Rocket 非法引导借款人选择其自有的抵押贷款部门。</p>
</div><p>&#34;Rocket is proud to help homebuyers navigate complex real estate partnerships. We are confident that we will be vindicated once facts are presented,&#34; the Rocket spokesperson said.</p>
<div class="lb-trans"><p>Rocket 的发言人表示：&#34;Rocket 自豪于帮助购房者应对复杂的房地产合作关系。我们相信，一旦事实被呈现，我们将得到证明。&#34;</p>
</div><p>The lawsuit against one of America's biggest mortgage lenders highlights how vulnerable consumers can be as they go through the complex process of buying a home.</p>
<div class="lb-trans"><p>针对美国最大抵押贷款机构之一的诉讼突显了消费者在购房这一复杂过程中可能面临的脆弱性。</p>
</div><p>A home purchase is one of the largest investments most Americans will ever make, but &#34;the burden of this process is compounded by the opaque and byzantine rules on buying and financing the purchase of a home,&#34; the lawsuit stated.</p>
<div class="lb-trans"><p>购房是大多数美国人所做的最大投资之一，但诉讼指出：&#34;这一过程的负担因购买和融资房屋的模糊和复杂的规则而加重。&#34;</p>
</div><p>Many buyers &#34;do not have a full understanding of the home buying and lending process,&#34; lawyers wrote in their complaint. &#34;[A] s a result, they usually have no choice but to rely on real estate agents, who have a fiduciary duty to represent them and serve their best interests.&#34;</p>
<div class="lb-trans"><p>许多购房者&#34;对购房和贷款过程没有充分的理解，&#34;律师在投诉中写道。&#34;因此，他们通常别无选择，只能依赖房地产经纪人，而房地产经纪人有信托责任代表他们并服务于他们的最佳利益。&#34;</p>
</div><p>The plaintiffs' lawyers say that Rocket Mortgage pressured buyers into thinking they had no other option than to use Rocket as their mortgage provider.</p>
<div class="lb-trans"><p>原告律师表示，Rocket Mortgage 迫使购房者认为他们别无选择，只能使用 Rocket 作为抵押贷款提供商。</p>
</div><p>The lawsuit also alleges that real-estate agents were referred to potential buyers through Rocket, and in exchange for the leads, had to steer clients towards Rocket Mortgage, &#34;all in violation of a real estate agent's fiduciary duties to her clients.&#34;</p>
<div class="lb-trans"><p>诉讼还指控，房地产经纪人通过 Rocket 被推荐给潜在购房者，并且为了获得客户线索，必须将客户引导至 Rocket Mortgage，&#34;这完全违反了房地产经纪人对客户的信托责任。&#34;</p>
</div><p>Don't follow your broker's advice blindly</p>
<div class="lb-trans"><p>不要盲目跟随经纪人的建议</p>
</div><p>To be clear, home buyers don't necessarily need to go with the mortgage lender that their agent suggests.</p>
<div class="lb-trans"><p>需要明确的是，购房者不一定需要选择他们的经纪人建议的抵押贷款机构。</p>
</div><p>Research has shown that shopping around with different lenders and comparing the interest rates and fees they offer can save buyers substantial sums of money.</p>
<div class="lb-trans"><p>研究表明，向不同的贷款机构进行比较和购物可以为购房者节省大量资金。</p>
</div><p>Buyers could save an average of $80,000 over the life of their 30-year fixed-rate loan by shopping around, according to one analysis by LendingTree (TREE). In high-cost states like California, the potential lifetime savings from shopping around goes up to nearly $120,000.</p>
<div class="lb-trans"><p>根据 LendingTree (TREE) 的一项分析，购房者通过比较可以在其 30 年固定利率贷款的整个生命周期中平均节省 80,000 美元。在加利福尼亚等高成本州，购物的潜在终身节省额接近 120,000 美元。</p>
</div><p>With home prices near record highs, mortgage rates play a key role in a borrower's ability to afford a house.</p>
<div class="lb-trans"><p>随着房价接近历史高点，抵押贷款利率在借款人负担得起房屋的能力中起着关键作用。</p>
</div><p>A separate analysis by Realtor.com in October found that if buyers raised their credit scores from &#34;good&#34; to &#34;very good&#34; - meaning from the 660 to 720 range to the 720 to 760 range - they could qualify for a rate that is 11 basis points lower, and save over $8,500 over the life of a loan.</p>
<div class="lb-trans"><p>Realtor.com 在 10 月进行的另一项分析发现，如果购房者将其信用评分从 &#34;良好&#34; 提高到 &#34;非常好&#34; - 即从 660 到 720 的范围提高到 720 到 760 的范围 - 他们可以获得低 11 个基点的利率，并在贷款的整个生命周期中节省超过 8,500 美元。</p>
</div><p>(Realtor.com is operated by News Corp subsidiary Move Inc.; MarketWatch publisher Dow Jones is also a subsidiary of News Corp.)</p>
<div class="lb-trans"><p>(Realtor.com 由 News Corp 子公司 Move Inc. 运营；MarketWatch 的出版商 Dow Jones 也是 News Corp 的子公司。)</p>
</div><p>&#34;Even in a challenging homebuying market with sustained high mortgage rates, there's room for strategy,&#34; Jake Krimmel, a senior economist at Realtor.com, said in the report.</p>
<div class="lb-trans"><p>Realtor.com 的高级经济学家 Jake Krimmel 在报告中表示：&#34;即使在抵押贷款利率持续高企的艰难购房市场中，仍然有策略的空间。&#34;</p>
</div><p>&#34;Focusing on what you can control - improving credit, saving more, and comparing offers - can make a measurable difference in affordability,&#34; he added.</p>
<div class="lb-trans"><p>他补充道：&#34;专注于你可以控制的事情 - 提高信用、储蓄更多和比较报价 - 可以在可负担性上产生显著差异。&#34;</p>
</div><p>What the home buyers accused Rocket of doing</p>
<div class="lb-trans"><p>购房者指控 Rocket 的行为</p>
</div><p>The three home buyers allege in the lawsuit that they were compelled into taking out loans with Rocket.</p>
<div class="lb-trans"><p>三名购房者在诉讼中声称，他们被迫与 Rocket 签订贷款。</p>
</div><p>In Douglasville, Ga., a buyer who bought a home in April 2022 said that her real-estate agent pushed her to use Rocket Mortgage, and did not present her with other mortgage options.</p>
<div class="lb-trans"><p>在乔治亚州道格拉斯维尔，一名在 2022 年 4 月购房的买家表示，她的房地产经纪人强迫她使用 Rocket Mortgage，并没有向她提供其他抵押贷款选择。</p>
</div><p>The buyer &#34;did not know, and could not have reasonably known, that Rocket Mortgage's arrangement with real estate agents compelled them to steer clients to Rocket Mortgage in violation of federal law,&#34; the lawsuit stated.</p>
<div class="lb-trans"><p>诉讼指出，该买家&#34;不知道，也不可能合理地知道，Rocket Mortgage 与房地产经纪人的安排迫使他们在违反联邦法律的情况下将客户引导至 Rocket Mortgage。&#34;</p>
</div><p>The lawsuit alleges that Rocket had an arrangement with real-estate agents that compelled them to pressure buyers to use Rocket's mortgage company when taking out a mortgage, in exchange for referrals to future clients who were buyers or sellers.</p>
<div class="lb-trans"><p>诉讼指控 Rocket 与房地产经纪人之间存在一种安排，迫使他们在申请抵押贷款时施压购房者使用 Rocket 的抵押贷款公司，以换取未来客户（买家或卖家）的推荐。</p>
</div><p>Under a 1975 federal law called the Real Estate Settlement Procedures Act, steering consumers into certain mortgages in exchange for a fee or a kickback is illegal.</p>
<div class="lb-trans"><p>根据 1975 年名为《房地产结算程序法》的联邦法律，以费用或回扣为交换引导消费者选择某些抵押贷款是非法的。</p>
</div><p>In Kenly, N.C., another buyer who bought their home in December 2023 said they were pushed by their real-estate agent into using Rocket to finance their home purchase, and pressured into using another Rocket-owned company for title and appraisal services.</p>
<div class="lb-trans"><p>在北卡罗来纳州肯利，另一名在 2023 年 12 月购房的买家表示，他们被房地产经纪人强迫使用 Rocket 来融资购房，并被迫使用另一家 Rocket 旗下公司进行产权和评估服务。</p>
</div><p>In Pittsfield, Pa., a third buyer who bought a home in June 2021 said &#34;he felt that he had no other choice,&#34; when it came to choosing mortgage lenders, the lawsuit stated.</p>
<div class="lb-trans"><p>在宾夕法尼亚州皮茨菲尔德，第三名在 2021 年 6 月购房的买家表示，诉讼指出他在选择抵押贷款机构时&#34;感到没有其他选择。&#34;</p>
</div><p>This alleged steering ultimately cost the plaintiffs' money, according to the lawsuit, because Rocket Mortgage offered &#34;substandard loan packages that charged higher interest rates and offered fewer cost-saving opportunities for home buyers.&#34;</p>
<div class="lb-trans"><p>根据诉讼，这种所谓的引导最终使原告蒙受了经济损失，因为 Rocket Mortgage 提供了 “低标准的贷款方案，收取更高的利率，并为购房者提供更少的节省机会。”</p>
</div><p>The fact that as these buyers were getting ready to buy a house, &#34;Rocket sought to capitalize on this by pressuring homebuyers into bad loans is not only illegal, but immoral,&#34; Steve W. Berman, managing partner and co-founder of Hagens Berman, said in a statement.</p>
<div class="lb-trans"><p>Hagens Berman 的管理合伙人兼联合创始人 Steve W. Berman 在一份声明中表示，正当这些买家准备购房时，“Rocket 试图通过施压购房者进入不良贷款来获利，这不仅是非法的，而且是不道德的。”</p>
</div><p>Related: Rocket-Redfin deal could make home buying more convenient - and more expensive</p>
<div class="lb-trans"><p>相关：Rocket-Redfin 交易可能使购房更加便利——但也更昂贵</p>
</div><p>If the allegations in the lawsuit are true and Rocket was giving real-estate agents referrals to buyers in exchange for steering them towards Rocket Mortgage, that amounts to &#34;corporate bribery,&#34; Brian Shearer, director of competition and regulatory policy at the Vanderbilt Policy Accelerator, told MarketWatch.</p>
<div class="lb-trans"><p>如果诉讼中的指控属实，Rocket 向房地产经纪人提供买家推荐，以换取将他们引导至 Rocket Mortgage，这就构成了 “企业贿赂，” 范德比尔特政策加速器的竞争与监管政策主任 Brian Shearer 告诉 MarketWatch。</p>
</div><p>The case was filed on Jan. 26 in the U.S. District Court for the Eastern District of Michigan Southern Division.</p>
<div class="lb-trans"><p>该案件于 1 月 26 日在美国密歇根州东区地方法院提起。</p>
</div><p>The class-action suit builds on a previous investigation by the Consumer Financial Protection Bureau in 2024, which also accused Rocket Homes of steering prospective borrowers to the company. For example, the CFPB alleged in a lawsuit that a real-estate broker offered awards of $250 gift cards to agents who made the most referrals to his company's favored partners, including Rocket Mortgage.</p>
<div class="lb-trans"><p>该集体诉讼建立在 2024 年消费者金融保护局的先前调查基础上，该局也指控 Rocket Homes 将潜在借款人引导至该公司。例如，CFPB 在一项诉讼中声称，一名房地产经纪人向向其公司偏爱的合作伙伴（包括 Rocket Mortgage）推荐最多的经纪人提供 250 美元的礼品卡奖励。</p>
</div><p>The lawsuit was dismissed by the Trump administration in February 2025.</p>
<div class="lb-trans"><p>该诉讼于 2025 年 2 月被特朗普政府驳回。</p>
</div><p>Why steering is illegal under federal law</p>
<div class="lb-trans"><p>为什么引导在联邦法律下是非法的</p>
</div><p>The kickbacks prohibited by RESPA &#34;used to be cash in envelopes passed in secret, but now they have become normalized by tech companies that have built bribery into their platforms,&#34; Shearer, at the Vanderbilt Policy Accelerator, said.</p>
<div class="lb-trans"><p>RESPA 禁止的回扣 “曾经是秘密传递的现金，但现在已经被那些将贿赂内置于其平台的科技公司所正常化，” Shearer 在范德比尔特政策加速器表示。</p>
</div><p>Shearer was at the CFPB between 2021 and 2024 as a senior advisor to the director of the agency. RESPA was first enforced by the U.S. Department of Housing and Urban Development; the CFPB took over enforcement when it was created in 2011.</p>
<div class="lb-trans"><p>Shearer 在 2021 年至 2024 年期间担任 CFPB 的高级顾问。RESPA 最初由美国住房和城市发展部执行；CFPB 成立于 2011 年后接管了执法工作。</p>
</div><p>&#34;Regardless of whether it's digital or analog, these kickbacks drive up prices by adding costs and steering customers to more expensive options,&#34; he added.</p>
<div class="lb-trans"><p>“无论是数字还是模拟，这些回扣通过增加成本并将客户引导至更昂贵的选项来推高价格，” 他补充道。</p>
</div><p>The Trump administration has since gutted the CFPB, and the agency has pared back enforcement significantly in the last few months.</p>
<div class="lb-trans"><p>特朗普政府自那时起削弱了 CFPB，该机构在过去几个月中大幅减少了执法力度。</p>
</div><p>&#34;In the middle of an affordability crisis, and in particular when mortgage rates are already high, this is a perfect example of why we should not defund the corporate enforcers like the CFPB,&#34; Shearer said.</p>
<div class="lb-trans"><p>“在一场可负担性危机中，尤其是在抵押贷款利率已经很高的情况下，这正是我们不应削减像 CFPB 这样的企业执法机构资金的完美例证，” Shearer 说。</p>
</div><p>Shares of Rocket Companies traded about 1% lower as of 3:40 p.m. on Tuesday.</p>
<div class="lb-trans"><p>截至周二下午 3:40，Rocket Companies 的股票交易下跌约 1%。</p>
</div><p>-Aarthi Swaminathan</p>
<div class="lb-trans"><p>-Aarthi Swaminathan</p>
</div><p>This content was created by MarketWatch, which is operated by Dow Jones &amp; Co. MarketWatch is published independently from Dow Jones Newswires and The Wall Street Journal.</p>
<div class="lb-trans"><p>此内容由 MarketWatch 创作，MarketWatch 由道琼斯公司运营。MarketWatch 与道琼斯新闻社和《华尔街日报》独立出版。</p>
</div><p>(END) Dow Jones Newswires</p>
<div class="lb-trans"><p>（结束）道琼斯新闻社</p>
</div><p>01-27-26 1731ET</p>
<div class="lb-trans"><p>01-27-26 1731ET</p>
</div>

These home buyers are suing one of the biggest mortgage lenders in America. Why you should pay attention.

Dow Jones

组合抵押贷款支持债券 ETF - SPDR

Doubleline Mortgage ETF

美国房地产 ETF - SPDR

JPMorgan Mortgage-Backed Securities ETF

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房地产指数 ETF - iShares 道琼斯

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Schwab® Mortgage-Backed Securities ETF

Rocket

PIMCO Mortgage-Backed Securities Act ETF

美国按揭抵押债 ETF - Vanguard

这些购房者正在起诉美国最大的抵押贷款机构之一。你为什么应该关注这件事