Specifically, the consumer watchdog agency is wondering whether Rocket Homes Real Estate violated the Real Estate Settlement Procedures Act when it charged fees for referring Quicken’s mortgage clients to real estate agents. Shkipin contends that all of these lenders operate sham “paper brokerages” set up with only one thing in mind: to extract fees from realty agents -- fees consumers ultimately pay, often in exchange for poor service. Power, uses its real estate license “to collect blanket referral fees from the largest number” of real estate agents possible, he alleges. For another, it earns its keep from advertising, not referral fees. He argues that companies like his operate at a competitive disadvantage so long as brokers can trade consumers as leads for blanket referral fees.