<p>作者：Aarthi Swaminathan</p>
<p>Rocket Companies 被指控違反 1974 年禁止回扣的法律</p>
<p>一項集體訴訟指控 Rocket Companies 非法引導購房者選擇 Rocket 的抵押貸款。Rocket 否認這些指控。</p>
<p>三名購房者已對抵押貸款巨頭 Rocket Companies (RKT) 提起集體訴訟，指控其非法引導購房者使用 Rocket 的貸款服務。</p>
<p>根據訴訟，購房者指控該公司利用他們的處境，強迫他們使用 Rocket 的抵押貸款公司，儘管 Rocket 提供的貸款方案對購房者來説是 &#34;不利的&#34;。</p>
<p>該案件由 Hagens Berman 律師事務所提起，該事務所還曾代表房屋賣家對全國房地產經紀人協會提起訴訟，指控房地產經紀人合謀抬高房地產佣金。該案件於 2024 年以 4.18 億美元和解。</p>
<p>Rocket 的發言人告訴 MarketWatch：&#34;我們堅決不同意，並將對 Rocket、Redfin 或任何被指控的被告所做的任何非法行為提出異議。&#34;</p>
<p>Rocket 於 2025 年收購了房地產經紀公司 Redfin，旨在成為一個一站式服務平台，使購房過程更快、更簡單。</p>
<p>訴訟中被指控的被告包括 Rocket Companies、Rocket Mortgage、Amrock Holdings（現稱 Rocket Close）和 Rocket Homes Real Estate。</p>
<p>Rocket 的發言人補充道：&#34;本案中的指控完全是對 [消費者金融保護局] 提起的案件的重提，該案件很快被駁回，&#34;指的是政府消費者監督機構在 2024 年提起的訴訟，該訴訟也指控 Rocket 非法引導借款人選擇其自有的抵押貸款部門。</p>
<p>Rocket 的發言人表示：&#34;Rocket 自豪於幫助購房者應對複雜的房地產合作關係。我們相信，一旦事實被呈現，我們將得到證明。&#34;</p>
<p>針對美國最大抵押貸款機構之一的訴訟突顯了消費者在購房這一複雜過程中可能面臨的脆弱性。</p>
<p>購房是大多數美國人所做的最大投資之一，但訴訟指出：&#34;這一過程的負擔因購買和融資房屋的模糊和複雜的規則而加重。&#34;</p>
<p>許多購房者&#34;對購房和貸款過程沒有充分的理解，&#34;律師在投訴中寫道。&#34;因此，他們通常別無選擇，只能依賴房地產經紀人，而房地產經紀人有信託責任代表他們並服務於他們的最佳利益。&#34;</p>
<p>原告律師表示，Rocket Mortgage 迫使購房者認為他們別無選擇，只能使用 Rocket 作為抵押貸款提供商。</p>
<p>訴訟還指控，房地產經紀人通過 Rocket 被推薦給潛在購房者，並且為了獲得客户線索，必須將客户引導至 Rocket Mortgage，&#34;這完全違反了房地產經紀人對客户的信託責任。&#34;</p>
<p>不要盲目跟隨經紀人的建議</p>
<p>需要明確的是，購房者不一定需要選擇他們的經紀人建議的抵押貸款機構。</p>
<p>研究表明，向不同的貸款機構進行比較和購物可以為購房者節省大量資金。</p>
<p>根據 LendingTree (TREE) 的一項分析，購房者通過比較可以在其 30 年固定利率貸款的整個生命週期中平均節省 80,000 美元。在加利福尼亞等高成本州，購物的潛在終身節省額接近 120,000 美元。</p>
<p>隨着房價接近歷史高點，抵押貸款利率在借款人負擔得起房屋的能力中起着關鍵作用。</p>
<p>Realtor.com 在 10 月進行的另一項分析發現，如果購房者將其信用評分從 &#34;良好&#34; 提高到 &#34;非常好&#34; - 即從 660 到 720 的範圍提高到 720 到 760 的範圍 - 他們可以獲得低 11 個基點的利率，並在貸款的整個生命週期中節省超過 8,500 美元。</p>
<p>(Realtor.com 由 News Corp 子公司 Move Inc. 運營；MarketWatch 的出版商 Dow Jones 也是 News Corp 的子公司。)</p>
<p>Realtor.com 的高級經濟學家 Jake Krimmel 在報告中表示：&#34;即使在抵押貸款利率持續高企的艱難購房市場中，仍然有策略的空間。&#34;</p>
<p>他補充道：&#34;專注於你可以控制的事情 - 提高信用、儲蓄更多和比較報價 - 可以在可負擔性上產生顯著差異。&#34;</p>
<p>購房者指控 Rocket 的行為</p>
<p>三名購房者在訴訟中聲稱，他們被迫與 Rocket 簽訂貸款。</p>
<p>在喬治亞州道格拉斯維爾，一名在 2022 年 4 月購房的買家表示，她的房地產經紀人強迫她使用 Rocket Mortgage，並沒有向她提供其他抵押貸款選擇。</p>
<p>訴訟指出，該買家&#34;不知道，也不可能合理地知道，Rocket Mortgage 與房地產經紀人的安排迫使他們在違反聯邦法律的情況下將客户引導至 Rocket Mortgage。&#34;</p>
<p>訴訟指控 Rocket 與房地產經紀人之間存在一種安排，迫使他們在申請抵押貸款時施壓購房者使用 Rocket 的抵押貸款公司，以換取未來客户（買家或賣家）的推薦。</p>
<p>根據 1975 年名為《房地產結算程序法》的聯邦法律，以費用或回扣為交換引導消費者選擇某些抵押貸款是非法的。</p>
<p>在北卡羅來納州肯利，另一名在 2023 年 12 月購房的買家表示，他們被房地產經紀人強迫使用 Rocket 來融資購房，並被迫使用另一家 Rocket 旗下公司進行產權和評估服務。</p>
<p>在賓夕法尼亞州皮茨菲爾德，第三名在 2021 年 6 月購房的買家表示，訴訟指出他在選擇抵押貸款機構時&#34;感到沒有其他選擇。&#34;</p>
<p>根據訴訟，這種所謂的引導最終使原告蒙受了經濟損失，因為 Rocket Mortgage 提供了 “低標準的貸款方案，收取更高的利率，併為購房者提供更少的節省機會。”</p>
<p>Hagens Berman 的管理合夥人兼聯合創始人 Steve W. Berman 在一份聲明中表示，正當這些買家準備購房時，“Rocket 試圖通過施壓購房者進入不良貸款來獲利，這不僅是非法的，而且是不道德的。”</p>
<p>相關：Rocket-Redfin 交易可能使購房更加便利——但也更昂貴</p>
<p>如果訴訟中的指控屬實，Rocket 向房地產經紀人提供買家推薦，以換取將他們引導至 Rocket Mortgage，這就構成了 “企業賄賂，” 範德比爾特政策加速器的競爭與監管政策主任 Brian Shearer 告訴 MarketWatch。</p>
<p>該案件於 1 月 26 日在美國密歇根州東區地方法院提起。</p>
<p>該集體訴訟建立在 2024 年消費者金融保護局的先前調查基礎上，該局也指控 Rocket Homes 將潛在借款人引導至該公司。例如，CFPB 在一項訴訟中聲稱，一名房地產經紀人向向其公司偏愛的合作伙伴（包括 Rocket Mortgage）推薦最多的經紀人提供 250 美元的禮品卡獎勵。</p>
<p>該訴訟於 2025 年 2 月被特朗普政府駁回。</p>
<p>為什麼引導在聯邦法律下是非法的</p>
<p>RESPA 禁止的回扣 “曾經是秘密傳遞的現金，但現在已經被那些將賄賂內置於其平台的科技公司所正常化，” Shearer 在範德比爾特政策加速器表示。</p>
<p>Shearer 在 2021 年至 2024 年期間擔任 CFPB 的高級顧問。RESPA 最初由美國住房和城市發展部執行；CFPB 成立於 2011 年後接管了執法工作。</p>
<p>“無論是數字還是模擬，這些回扣通過增加成本並將客户引導至更昂貴的選項來推高價格，” 他補充道。</p>
<p>特朗普政府自那時起削弱了 CFPB，該機構在過去幾個月中大幅減少了執法力度。</p>
<p>“在一場可負擔性危機中，尤其是在抵押貸款利率已經很高的情況下，這正是我們不應削減像 CFPB 這樣的企業執法機構資金的完美例證，” Shearer 説。</p>
<p>截至週二下午 3:40，Rocket Companies 的股票交易下跌約 1%。</p>
<p>-Aarthi Swaminathan</p>
<p>此內容由 MarketWatch 創作，MarketWatch 由道瓊斯公司運營。MarketWatch 與道瓊斯新聞社和《華爾街日報》獨立出版。</p>
<p>（結束）道瓊斯新聞社</p>
<p>01-27-26 1731ET</p>

<p>一項針對 Rocket Companies 的集體訴訟已被提起，指控這家抵押貸款公司非法引導購房者選擇其自有的抵押貸款服務，原告聲稱這些服務對他們不利。訴訟強調了消費者在複雜的購房過程中所面臨的脆弱性，並指控房地產經紀人受到壓力，要求將客户引導至 Rocket Mortgage，違反了他們的信託責任。Rocket 否認這些指控，聲稱他們將對這些主張進行抗辯，並堅持致力於幫助購房者順利進行房地產交易</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 被指控違反 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>一項集體訴訟指控 Rocket Companies 非法引導購房者選擇 Rocket 的抵押貸款。Rocket 否認這些指控。</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>三名購房者已對抵押貸款巨頭 Rocket Companies (RKT) 提起集體訴訟，指控其非法引導購房者使用 Rocket 的貸款服務。</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>根據訴訟，購房者指控該公司利用他們的處境，強迫他們使用 Rocket 的抵押貸款公司，儘管 Rocket 提供的貸款方案對購房者來説是 &#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>該案件由 Hagens Berman 律師事務所提起，該事務所還曾代表房屋賣家對全國房地產經紀人協會提起訴訟，指控房地產經紀人合謀抬高房地產佣金。該案件於 2024 年以 4.18 億美元和解。</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 的發言人告訴 MarketWatch：&#34;我們堅決不同意，並將對 Rocket、Redfin 或任何被指控的被告所做的任何非法行為提出異議。&#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 於 2025 年收購了房地產經紀公司 Redfin，旨在成為一個一站式服務平台，使購房過程更快、更簡單。</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>訴訟中被指控的被告包括 Rocket Companies、Rocket Mortgage、Amrock Holdings（現稱 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 的發言人補充道：&#34;本案中的指控完全是對 [消費者金融保護局] 提起的案件的重提，該案件很快被駁回，&#34;指的是政府消費者監督機構在 2024 年提起的訴訟，該訴訟也指控 Rocket 非法引導借款人選擇其自有的抵押貸款部門。</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 的發言人表示：&#34;Rocket 自豪於幫助購房者應對複雜的房地產合作關係。我們相信，一旦事實被呈現，我們將得到證明。&#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>針對美國最大抵押貸款機構之一的訴訟突顯了消費者在購房這一複雜過程中可能面臨的脆弱性。</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>購房是大多數美國人所做的最大投資之一，但訴訟指出：&#34;這一過程的負擔因購買和融資房屋的模糊和複雜的規則而加重。&#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>許多購房者&#34;對購房和貸款過程沒有充分的理解，&#34;律師在投訴中寫道。&#34;因此，他們通常別無選擇，只能依賴房地產經紀人，而房地產經紀人有信託責任代表他們並服務於他們的最佳利益。&#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>原告律師表示，Rocket Mortgage 迫使購房者認為他們別無選擇，只能使用 Rocket 作為抵押貸款提供商。</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>訴訟還指控，房地產經紀人通過 Rocket 被推薦給潛在購房者，並且為了獲得客户線索，必須將客户引導至 Rocket Mortgage，&#34;這完全違反了房地產經紀人對客户的信託責任。&#34;</p>
</div><p>Don't follow your broker's advice blindly</p>
<div class="lb-trans"><p>不要盲目跟隨經紀人的建議</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>需要明確的是，購房者不一定需要選擇他們的經紀人建議的抵押貸款機構。</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，向不同的貸款機構進行比較和購物可以為購房者節省大量資金。</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>根據 LendingTree (TREE) 的一項分析，購房者通過比較可以在其 30 年固定利率貸款的整個生命週期中平均節省 80,000 美元。在加利福尼亞等高成本州，購物的潛在終身節省額接近 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>隨着房價接近歷史高點，抵押貸款利率在借款人負擔得起房屋的能力中起着關鍵作用。</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 月進行的另一項分析發現，如果購房者將其信用評分從 &#34;良好&#34; 提高到 &#34;非常好&#34; - 即從 660 到 720 的範圍提高到 720 到 760 的範圍 - 他們可以獲得低 11 個基點的利率，並在貸款的整個生命週期中節省超過 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. 運營；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 的高級經濟學家 Jake Krimmel 在報告中表示：&#34;即使在抵押貸款利率持續高企的艱難購房市場中，仍然有策略的空間。&#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>他補充道：&#34;專注於你可以控制的事情 - 提高信用、儲蓄更多和比較報價 - 可以在可負擔性上產生顯著差異。&#34;</p>
</div><p>What the home buyers accused Rocket of doing</p>
<div class="lb-trans"><p>購房者指控 Rocket 的行為</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>三名購房者在訴訟中聲稱，他們被迫與 Rocket 簽訂貸款。</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>在喬治亞州道格拉斯維爾，一名在 2022 年 4 月購房的買家表示，她的房地產經紀人強迫她使用 Rocket Mortgage，並沒有向她提供其他抵押貸款選擇。</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>訴訟指出，該買家&#34;不知道，也不可能合理地知道，Rocket Mortgage 與房地產經紀人的安排迫使他們在違反聯邦法律的情況下將客户引導至 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>訴訟指控 Rocket 與房地產經紀人之間存在一種安排，迫使他們在申請抵押貸款時施壓購房者使用 Rocket 的抵押貸款公司，以換取未來客户（買家或賣家）的推薦。</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>根據 1975 年名為《房地產結算程序法》的聯邦法律，以費用或回扣為交換引導消費者選擇某些抵押貸款是非法的。</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>在北卡羅來納州肯利，另一名在 2023 年 12 月購房的買家表示，他們被房地產經紀人強迫使用 Rocket 來融資購房，並被迫使用另一家 Rocket 旗下公司進行產權和評估服務。</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>在賓夕法尼亞州皮茨菲爾德，第三名在 2021 年 6 月購房的買家表示，訴訟指出他在選擇抵押貸款機構時&#34;感到沒有其他選擇。&#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>根據訴訟，這種所謂的引導最終使原告蒙受了經濟損失，因為 Rocket Mortgage 提供了 “低標準的貸款方案，收取更高的利率，併為購房者提供更少的節省機會。”</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 的管理合夥人兼聯合創始人 Steve W. Berman 在一份聲明中表示，正當這些買家準備購房時，“Rocket 試圖通過施壓購房者進入不良貸款來獲利，這不僅是非法的，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>相關：Rocket-Redfin 交易可能使購房更加便利——但也更昂貴</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>如果訴訟中的指控屬實，Rocket 向房地產經紀人提供買家推薦，以換取將他們引導至 Rocket Mortgage，這就構成了 “企業賄賂，” 範德比爾特政策加速器的競爭與監管政策主任 Brian Shearer 告訴 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>該案件於 1 月 26 日在美國密歇根州東區地方法院提起。</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>該集體訴訟建立在 2024 年消費者金融保護局的先前調查基礎上，該局也指控 Rocket Homes 將潛在借款人引導至該公司。例如，CFPB 在一項訴訟中聲稱，一名房地產經紀人向向其公司偏愛的合作伙伴（包括 Rocket Mortgage）推薦最多的經紀人提供 250 美元的禮品卡獎勵。</p>
</div><p>The lawsuit was dismissed by the Trump administration in February 2025.</p>
<div class="lb-trans"><p>該訴訟於 2025 年 2 月被特朗普政府駁回。</p>
</div><p>Why steering is illegal under federal law</p>
<div class="lb-trans"><p>為什麼引導在聯邦法律下是非法的</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 “曾經是秘密傳遞的現金，但現在已經被那些將賄賂內置於其平台的科技公司所正常化，” Shearer 在範德比爾特政策加速器表示。</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 年期間擔任 CFPB 的高級顧問。RESPA 最初由美國住房和城市發展部執行；CFPB 成立於 2011 年後接管了執法工作。</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>“無論是數字還是模擬，這些回扣通過增加成本並將客户引導至更昂貴的選項來推高價格，” 他補充道。</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>特朗普政府自那時起削弱了 CFPB，該機構在過去幾個月中大幅減少了執法力度。</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>“在一場可負擔性危機中，尤其是在抵押貸款利率已經很高的情況下，這正是我們不應削減像 CFPB 這樣的企業執法機構資金的完美例證，” Shearer 説。</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>截至週二下午 3:40，Rocket Companies 的股票交易下跌約 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>此內容由 MarketWatch 創作，MarketWatch 由道瓊斯公司運營。MarketWatch 與道瓊斯新聞社和《華爾街日報》獨立出版。</p>
</div><p>(END) Dow Jones Newswires</p>
<div class="lb-trans"><p>（結束）道瓊斯新聞社</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

組合抵押貸款支持債券 ETF - SPDR

Doubleline Mortgage ETF

美國房地產 ETF - SPDR

JPMorgan Mortgage-Backed Securities ETF

John Hancock Mortgage-Backed Securities ETF

按揭地產信託收入 ETF - VanEck Vectors

抵押貸款支持證券 ETF - iShares

美國房地產 ETF - Vanguard

房地產投資信託股 ETF - iShares

房地產指數 ETF - iShares 道瓊斯

抵押貸款證券 ETF - Janus Henderson

Schwab® Mortgage-Backed Securities ETF

Rocket

PIMCO Mortgage-Backed Securities Act ETF

美國按揭抵押債 ETF - Vanguard

這些購房者正在起訴美國最大的抵押貸款機構之一。你為什麼應該關注這件事