Answer:
Yes, Gillian is guilty because she has accepted what is essentially a referral fee from a mortgage broker.
Step-by-step explanation:
Real Estate Settlement Procedures Act (RESPA) are a set of guidelines for licencing agents and real estate agents that is aimed at bringing transparency to settlement costs of properties.
It prohibits referral fees and kickbacks with the view of reducing final closing price to consumers.
In the given scenario Tim offers Gillian tickets to a concert, saying "And all I ask in return is that you send a customer or two my way!"
This is considered to be a referral fee which is in violation of RESPA.