The Real Estate Settlement Procedures Act $($RESPA$)$ specifically prohibits which of the following practices in the course of financing real eatate vansactions that are governed by RESPA?

$($a$)$ Redlining

$($b$)$ Kickbacks

$($c$)$ Payment of relefral fees from one broker to another broker

$($d$)$ lssuing nonconforming $($jumbo$)$ loans