Which of the following is NOT prohibited by RESPA?

The statement that receiving bonuses from settlement service providers is not prohibited by RESPA is accurate because RESPA (Real Estate Settlement Procedures Act) focuses on eliminating kickbacks and referral fees that incentivize real estate professionals to steer clients towards certain settlement service providers. However, it does allow for certain incentives or bonuses in specific contexts, provided they comply with applicable regulations and disclosure requirements. The key is that the bonuses must not violate the principles of RESPA, which are designed to ensure transparency and fairness in transactions.

In contrast, the other options listed are forms of conduct that are explicitly prohibited by RESPA. Referral fees between licensees and bonuses tied to specific referrals incentivize steering and could result in a conflict of interest, whereas crediting commissions to clients for costs must be accurately disclosed and reported in real estate transactions. The requirement that all charges be clearly outlined on the closing disclosure also aligns with RESPA's mandate for transparency in the financial aspects of the transaction. Thus, the correct answer is indeed related to the nuances of what RESPA governs regarding compensation and fees.