But the PHH enforcement action, which concerned a mortgage insurance joint venture, indirectly cost PHH's real estate joint venture with none other than Realogy. A Newport Beach, California homeowner filed in 2015 a class action lawsuit in federal court saying Realogy and PHH routinely violate RESPA. Under the alleged scheme, corporate aliases of PHH referred clients to Realogy's Title Resource Group for title insurance without disclosing the company's partnership. The defendants settled in 2018, admitting no wrongdoing but paying a $17 million settlement on behalf of 32,217 homeowners who utilized Realogy's title division. By that point, Realogy was already in year two of its new mortgage joint venture with Guaranteed Rate. Today, Realogy chalks up the lawsuit to the brokerage inheriting the joint venture from Cendant's corporate breakup.