The anti-coercion provision of RESPA protects which of the following?

The anti-coercion provision of the Real Estate Settlement Procedures Act (RESPA) is designed to protect borrowers by ensuring they have the freedom to choose their own insurance agents or companies without coercion from lenders. This provision specifically addresses situations where lenders might try to direct borrowers to use certain insurance providers, limiting their options and potentially leading to higher costs or inadequate coverage. The intention behind this law is to promote fair competition and protect consumers, giving them the power to make decisions based on their best interests rather than being pressured into using a particular service provider. This ensures transparency and fairness in the mortgage process, reinforcing the consumer's right to choose.