Answer:
The problem is not that the regulators don’t want the bank to “do well”, but there must be transparency in all the transactions, especially in all mortgage transactions, which will usually be the most expensive financial event that the average consumer will ever be involved in. One of the key purposes of the RESPA disclosures was to document to whom all fees were paid so that the consumer could see this and understand the cost of the transaction. When lenders become too casual and too close with other lending service providers, sometimes this is where problems can arise, and the separation between both is lost, and noncompliance can happen.
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