Who is violating the Protection of Homeowners in Foreclosure Act?

The correct answer focuses on the activities of Pedro, who charges a retainer fee for consultation services, which can be seen as a violation of the Protection of Homeowners in Foreclosure Act. This Act was established to protect homeowners from predatory practices during the foreclosure process. Charging a retainer fee for consultations related to foreclosure can be perceived as exploiting homeowners seeking assistance, especially if the fee is not appropriately disclosed or justified.

In this context, the other individuals—Regina, Maya, and Sylvia—are engaging in practices that may fall within normal business operations for professionals in real estate without necessarily crossing the line into potentially exploitative behavior. Regina, by drafting contracts, is likely undertaking administrative work typical of many professionals. Maya presenting her real estate license is simply establishing her credentials and legality in providing services. Sylvia stating her compensation in contracts promotes transparency and adherence to ethical business practices. None of these actions inherently violate the protections set forth in the Act, illustrating why Pedro's actions stand out as problematic.