I am not sure of the actual article that the OP is referring to.  But I found an interesting link courtesy of a blog page from "DallasLoanGuy" which shared various viewpoints on the topic.  He actually cited the actual verbiage from FCPA and RESPA.  I hope he doesn't mind me posting it and/or it doesn't violate any rules.

http://activerain.com/blogsview/2735178/rapid-rescore-costs