The Real Estate Settlement Procedures Act (RESPA) is a federal law designed to eliminate inflating mortgage settlement costs. This law prohibits kickbacks between lenders and third-party settlement service agents in the real estate settlement process. It also requires lenders to provide consumers with a good faith estimate (GFE) for all the estimated costs of a particular loan, as well as a uniform settlement statement at the closing of the loan transaction. RESPA and its implementing Regulation X are enforced by the Consumer Financial Protection Bureau.