Which of the following actions by a mortgage loan originator would not be in violation of the law?

Informing clients about changed fees and charges is an essential practice for mortgage loan originators and is fully compliant with legal and ethical standards. Transparency in communication is crucial, especially regarding financial transactions. Clients must be made aware of any modifications to fees to make informed decisions about their loans. This practice not only cultivates trust between the originator and the client but also ensures that the originator adheres to regulatory requirements that mandate full disclosure of costs associated with loans.

On the other hand, failing to disclose the terms of the loan, offering kickbacks for referrals, and misleading clients about interest rates constitute violations of the law. Each of these actions undermines the integrity of the mortgage lending process and can lead to penalties, fines, or even loss of licensure. Therefore, being upfront about any changes in fees demonstrates responsible behavior and compliance with the legal obligations expected of mortgage loan originators.