Which of the following is NOT a requirement under RESPA?

The correct choice highlights that a written estimate of lender expenses is not a specific requirement under the Real Estate Settlement Procedures Act (RESPA). RESPA primarily focuses on providing consumers with information regarding the settlement process and the costs associated with it.

Under RESPA, a good faith estimate is essential as it outlines the expected costs and fees that a borrower might face at closing, providing transparency and allowing borrowers to compare offers from different lenders. Disclosure of settlement services is also a crucial requirement because it helps consumers understand all the services involved in closing a real estate transaction, as well as the companies providing those services.

A written estimate by lenders is not categorized specifically under RESPA requirements, even though lenders may choose to provide such estimates as part of their customer service practices. On the other hand, a comparative market analysis is generally not mandated by RESPA; instead, it is typically used by real estate agents to derive an estimated value of a property based on similar sales in the neighborhood. It serves a different purpose unrelated to the settlement disclosure required under RESPA.