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- Hey everyone, my name is Paul Vojchehoske, and welcome to the Real Estate Classroom YouTube channel. Hey before we get to todays video (swooshing pops) on the Real Estate Settlement Procedures Act, please do me a favor, (clicking) and give this video a thumbs up, hit that red Subscribe button (ding) and click on that notification bell. (swaggering rock music) Alright, so in todays video, were gonna discuss a federal law called the Real Estate Settlement Procedures Act, commonly known in the industry as RESPA. Now the original intent when this law was passed back in 1975, was that it was designed to protect the consumer, so the consumer who was out getting a loan would have a disclosure of the cost associated with borrowing that money. Now certainly since 1975, this particular law has broadened quite a bit. Now on your screen, there is one thing that you probably should know for your Real Estate Licensing Exam, and that is that there is a federal agency called the Consumer Finance