Final answer:
Illegal acts and practices under RESPA result from violations of various consumer protection laws, such as discrimination and lack of loan disclosure.
Step-by-step explanation:
Under the Real Estate Settlement Procedures Act (RESPA), illegal acts and practices result from violations of various consumer protection laws that banks must comply with. Some examples of these violations include discrimination on the basis of age, race, sex, or marital status, as well as failure to disclose information about loans for buying houses and how they are distributed. These acts and practices are aimed at ensuring fair lending and preventing discrimination in the housing market.