Looking for whether or not an Affiliated Business Arrangement disclosure is necessary in the following case: we are the "broker" bank that refers loans to a large mortgage "lender" and we receive a fee for performing certain services, within RESPA requirements. There is no relationship, no ownership issues, no employees or relatives involved. From what I read in RESPA, there is no need for an Affiliated Business disclosure. Any thougthts?

You are right. The affiliated business disclosure is triggered by several forms of control or co-ownership. It is not triggered simply by a referral. However, other parts of Section 8 do apply, such as needing to earn the fee.