Once upon a time......
Once upon a time in an enchanted land not too far away, there lived many happy Mortgage Loan Officers. They were happy because they worked hard and were able to help many people. One of the ways they were able to help many people was by rebating part or all of their commissions to the borrower for whatever reason they deemed, just like the Realtors. They were also able to charge less if they wanted to because it was up to them to decide just like the Realtors.
But one day, the mean overlords of this once enchanted land decreed that they must protect the borrower and no longer allow such bad behavior by the bad, bad Mortgage Loan Officers. The mean overlords said "if you give your customer any part of your money to help the with the closing cost or charge the customer any less than what you agreed to, we will put you in jail". So the once happy Mortgage Loan Officers are now very sad because they can no longer help the borrower or deviate from the preset commission in any way.
Ok boys and girls, can you guess where this once enchanted land is or what it is called? Yes, you are very smart. IT IS the United States of America where capitalism once ruled the land and people of all kinds were able to work hard, make a living and help their customers any way they wanted to.