Before the Dodd-Frank Act banned the practice, an MLO placed a borrower who qualified for a 6.0% rate into a 6.75% loan. The lender paid the MLO an additional 1.5% of the loan amount as a yield spread premium. On a $200,000 loan, how much extra compensation did the MLO receive through the YSP, and what is the primary ethical violation?

$1,500; the MLO violated RESPA Section 9 by accepting an unearned fee from the title company $3,000; the MLO is permitted to accept YSPs as long as they are disclosed on the HUD-1 $3,000; the MLO steered the borrower into a higher-rate loan than necessary to earn additional undisclosed compensation at the borrower's expense $2,000; the MLO violated Regulation Z by charging points exceeding the QM threshold