May a real estate agent rebate a portion of the agent's commission to the borrower? If so, how should the rebate be listed on the HUD-1?
According to HUD, yes, real estate agents may rebate a portion of the agent's commission to the borrower in a real estate transaction. 据HUD（美国住房与城市发展部）规定，房产经纪人可以向客户提供其佣金的一部分作为返利。
The rebate must be listed as a credit on page 1 of the HUD-1 in Lines 204-209 and the name of the party giving the credit must be identified. Real estate agent or broker commission rebates to borrowers do not violate Section 8 of RESPA as long as no part of the commission rebate is tied to a referral of business.
Which states currently ban commission rebates?
Ten states currently have laws that ban rebates. Nine states have a full ban on broker rebates: Alabama, Alaska, Kansas, Louisiana, Mississippi, Missouri, Oklahoma, Oregon, and Tennessee. 目前阿拉巴马州、阿拉斯加州、堪萨斯州、路易斯安那州、密西西比州、密苏里州、奥克拉荷马州、俄勒冈州、田纳西州这9个州法律规定不允许返利。
In addition, Iowa prohibits rebates when the consumers use the services of two or more real estate brokers during a transaction.
给客户返佣违法的传言，从业多年的经纪人都可能不太清楚，以讹传讹，也有部分人是揣着明白装糊涂，毕竟降低行业的佣金水平对于房产经纪来说并不是一件好事。对于将要在美买卖房产您来说，请大胆的询问返佣吧，法律是站在您这边的！
