,i  #aad? ,,congress  #a/ ,session  ,h4 
,r4 #agii  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,april #ae1 #bjae ,mr4
 ,ellison introduc$ ! foll[+ bill2 :i* 0
 ref]r$ to ! ,committee on ,f9ancial    
,s]vices  ,a ,,bill  ,to am5d ! ,real   
,e/ate ,settlem5t ,proc$ures ,act (     
#aigd to prohibit c]ta9 f9ancial b5efits
 = ref]rals ( bus9ess & to improve !    
judicial relief = c]ta9 violations1 & = 
o!r purposes4  #a4 ,%ort title ,?is ,act
 may be cit$ z ! ,ensure ,fair ,prices 9
 ,title ,insurance ,act ( #bjae4  #b4   
,am5dm5ts to ! ,real ,e/ate ,settlem5t  
,proc$ures ,act ( #aigd ,! ,real ,e/ate 
,settlem5t ,proc$ures ,act ( #aigd 7#ab 
,u4,s4,c4 #bfja et seq47 is am5d$--     
7#a7 9 section #h-- 7,a7 9 subsection   
7c77#d77;,c71 by /rik+ ! only ?+ ( value
 & all t foll[s ?r\gh own]%ip int]e/ or 
fran*ise relation%ip & ins]t+ ! foll[+3 
no fee1 kickback1 or ?+ ( value 7includ+
 any return on own]%ip bas$ 9 :ole or "p
 on ref]rals paid = or receiv$ f an     
affiliat$ bus9ess arrangem5t7 is paid or

 receiv$ pursuant to any agreem5t or    
und]/&+1 oral or o!rwise1 = ref]rals (  
bus9ess incid5t to or a "p ( a real     
e/ate settlem5t s]vice involv+ a f$]ally
 relat$ mortgage loan2 &  7,b7 9        
subsection 7d7-- 7i7 by am5d+ p>agraph  
7#b7 to read z foll[s3  7#b7 ,jo9t &    
,sev]al ,liability ,any p]son or p]sons 
:o violate ! prohibitions or limitations
 ( ?is section %all be jo9tly & sev]ally
 liable z foll[s3  7,a7 ,to ! p]son or  
p]sons *>g$ = ! settlem5t s]vice involv$
 9 ! violation 9 an am\nt equal to ?ree 
times ! am\nt ( any *>ge paid = su*     
settlem5t s]vice4  7,b7 ,^u a f9d+ f a  
c\rt ( compet5t jurisdiction t a        
violation ( ?is section occurr$1 to any 
p]son or p]sons provid+ sub/antially    
simil> s]vices 9 ! same ,/ate :]e !     
violation occurr$1 9 an am\nt equal to  
attorneys' fees & c\rt co/s incurr$ 9   
initiat+ an action "u ?is section4  2 & 
7ii7 by add+ at ! end ! foll[+3  7#g7   
,additional ,relief ,9 addition to !    
rem$ies set =? 9 ?is section1 a c\rt may

 ord] "o or m ( ! foll[+ types ( relief3
  7,a7 ,injunctive relief4  7,b7        
,re/itution4  7,c7 ,o!r equitable relief
 z deem$ appropriate by ! c\rt4  2 &    
7#b7 by am5d+ section #af to read z     
foll[s3  #af4 ,jurisdiction ( c\rts ,any
 action pursuant to ! provisions (      
section #f1 #h1 or #i may be br\ght 9 ! 
,unit$ ,/ates di/rict c\rt or 9 any o!r 
c\rt ( compet5t jurisdiction1 = !       
di/rict 9 :i* ! prop]ty involv$ is      
locat$1 or :]e ! violation is alleg$ to 
h occurr$1 )9 #c ye>s ( ! date ( !      
occurr5ce ( ! violation4  4