In 2008, the U.S. Department of Housing and Urban Development (“HUD”) once again took up the mantle of reform to propose a sweeping revision of Regulation X, answered questions raised by the National Association of Realtors (“NAR”) concerning the Real Estate Settlement Procedures Act (“RESPA”), 2 and continued efforts to enforce RESPA against settlement service providers. Private parties also continued to pursue RESPA claims in litigation, leading to several important decisions, most of which focused on RESPA section 8. This article discusses these developments.