Which of the following estates is the most complete estate?

The Real Estate Settlement Procedures Act (RESPA) includes all of the following provisions, except:

a. It limits the kind of business affiliations that settlement service providers may create b. It establishes the maximum origination fee that may be charged on a loan c. It requires the use of a uniform settlement statement d. It prohibits receipt of referral fees

Although Asian consumers have a reputation for thriftiness, some are reluctant to use coupons, because doing so might bring shame upon them or their families

Indicate whether the statement is true or false