Final answer:
RESPA disclosures in a residential real estate sale involving a federally related loan are provided by the lender. The lender is obligated to furnish detailed and timely disclosures to ensure transparency in settlement costs and to adhere to fair lending practices as regulated by the Federal Reserve.
Step-by-step explanation:
The entity required to provide Real Estate Settlement Procedures Act (RESPA) disclosures to the consumer in a residential real estate sale involving a federally related loan is D) The lender.
RESPA is a federal law designed to provide consumers with comprehensive and timely disclosures about the nature and costs of the real estate settlement process, and to protect consumers from unnecessarily high settlement charges caused by certain abusive practices.
The Fed (Federal Reserve) ensures that banks comply with a variety of consumer protection laws, including disclosing information about the fairness and nondiscrimination in the lending practices for house buying. It is crucial for lenders to be transparent about how loans are distributed geographically and to applicants of different sex and race to comply with fair lending laws.