Scott Rinn | February 2010 tackles the issue of the new RESPA rules.  The new rules are designed to help understand settlement costs.  Reading the article, is this just another way the government is making the process more difficult?  There seems to be an impression that the additional layering for a closing is frustrating the Buyer, Realtor, and has a huge impact on the Lender of mortgage originator.    May the new rules are preventing the debt source from doing their job due to more rules?  This too will ultimately impact the Seller, as the Seller too will be disappointed when the Buyer terminates the purchase because the loan cannot get done.  What’s your impression after linking to Scott Rinn’s article?  http://www.realtor.org/rmolaw_and_ethics_secured/articles/2010/1002_law_respa