CIVIL CODE,DIVISION 2,PROPERTY,HEADING,ACQUISITION,ENACTED,TRANSFER,CHAPTER,REAL PROPERTY,ARTICLE 1,CHOICE,ARTICLE,SHALL,EFFECTIVE,OCTOBER 11,LEGISLATURE,FINDS,SALES,FORECLOSED,PROPERTIES,DOMINANT PORTION,HOMES,REAL ESTATE MARKET,RECENT,CONCENTRATION,THE MAJORITY,AVAILABLE,THE HANDS,LENDERS,DRAMATICALLY,CHANGED,THE MARKET,DYNAMICS,ORDINARY,FAIR,CONTRACT TERMS,POLICY,GOAL,REAL ESTATE,TRANSACTIONS,THE POTENTIAL,UNFAIRNESS,LARGE NUMBERS,IMMEDIATELY,THE FEDERAL,REAL ESTATE SETTLEMENT,RESPA,CREATES,GENERAL RULES FOR,NEGOTIATION,SETTLEMENT,KICKBACKS,SELLER,RELATED,TRANSACTION,BUYER,PURCHASE,TITLE INSURANCE,PARTICULAR,CALIFORNIA LAW,IMPOSING,CONDITION,ESCROW,PROVIDER,THEREFORE IT,NECESSARY,ADD THIS,PROTECTION,MODEL,CONDITIONING,TITLE COMPANY,INTENT OF THE LEGISLATURE,PURPOSE,THE SALE,RESIDENTIAL,RECEIPT,FEWER,DWELLING,UNITS,SELLING,THE PROPERTY,COVERING,SERVICE,CONNECTION,ESCROW AGENT,SECTION,ACCEPT,THE SERVICES,THE SELLER,WRITTEN,NOTICE,THE RIGHT,INDEPENDENT,SELECTION,MEANS,PERSON,LICENSED,DIVISION,THE FINANCIAL,CODE,LICENSING,CODE 2,BENEFICIARY,DEED OF TRUST,ACQUIRED,FORECLOSURE SALE,TRUSTEE,AGENT,OFFICER,EMPLOYEE,INSURANCE,STATE,TRANSACT,CHAPTER 1,C,AMOUNT,EQUAL TO,THREE TIMES,CHARGES,ADDITION,VIOLATED,HIS OR HER,LICENSE,LAW,SUBJECT TO,DISCIPLINE,ENTITY,FAILURE,PROVISION,