2. RESPA Enforcement Phillip L. Schulman. Hired 20 new staffersContracted with private investigation firmReal consequences for those who violate RESPA requirements. A. HUD'S NOT KIDDING. 3. RESPA Enforcement Phillip L. Schulman. First 32 years = 30 major settlementsLast 12 months = 14 major settlementsNo segment of settlement service industry sparedZero Tolerance Policy.