RESPA's Section 8 specifically addresses which of the following?

The correct answer highlights that RESPA's Section 8 specifically prohibits unearned fees for services not actually performed. This provision is aimed at ensuring that consumers are not charged for services that are never rendered, fostering transparency and fairness in real estate transactions. By addressing unearned fees, RESPA aims to eliminate kickbacks, referral fees, and other practices that could inflate costs for homebuyers or borrowers unnecessarily. The law emphasizes that any fees charged must correspond to actual services provided, thereby protecting consumers from deceptive practices within the mortgage and real estate industries.

The other options do discuss important aspects related to mortgage lending and housing but do not pertain directly to the core focus of Section 8 of RESPA, which is specifically about unearned fees and ensuring that consumers are only charged for services they receive.