Which of the following actions does RESPA NOT specifically prohibit?

The correct answer, which identifies actions that RESPA does not specifically prohibit, is the option concerning fees from joint ventures. The Real Estate Settlement Procedures Act (RESPA) primarily aims to eliminate kickbacks and referral fees that drive up the costs of settlement services.

In the context of joint ventures, if properly structured and compliant with RESPA regulations, it is indeed possible for entities to share fees. Joint ventures can continue to operate if the arrangement adheres to the legal requirements outlined in RESPA and does not involve illegal kickbacks or unearned fees.

This leads to the conclusion that as long as joint ventures are established with transparency and proper documentation, earning fees through such partnerships is not inherently prohibited by RESPA. Understanding this aspect can help in navigating the complexities of real estate transactions and settlement processes effectively.