The thrust of RESPA is indeed to prevent consumer fraud. The question presented on this thread relates to non payment of a subcontracting abstractor. You are confusing the consumer (Borrower, buyer) in a real estate transaction with the abstractor who rendered services to the title company. While the borrower/buyer may have recourse under RESPA for unlawful mark ups and fraudulent charges, I have some difficulty understanding how the subcontracting abstractor has any standing to claim damages for not having been paid. He is not the consumer, and may not be within the scope of those intended to be protected by the statute