Drew Canfield Is a Mortgage Broker Who Specializes in Subprime

Drew Canfield is a mortgage broker who specializes in subprime loans. If he places borrowers in negative amortization loans, he earns a higher rebate. These loans also carry a higher interest rate for the borrowers. Drew tries to steer borrowers into these loans.

A) Drew has violated RESPA with his actions.
B) Drew is collecting a YSP, now prohibited under RESPA.
C) Drew can direct borrowers into higher-rate loans as long as the GFE discloses the rates.
D) Drew cannot accept such a kickback from the lender.