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The penalties for paying or accepting an illegal referral fee are: a. Fines of up to $5,000 and up to one year in prison b. Fines of up to $10,000 and up to one year in prison c. Fines of up to $10,000 and up to three years in prison d. Fines of up to $20,000 and up to one year in prison - ANS b. Fines of up to $10,000 and up to one year in prison Finance charges always include which of the following? a. Mortgage broker fee b. Title insurance charges c. Document preparation fees d. Cre...

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