What was a Yield Spread Premium (YSP), and why was it prohibited under Dodd-Frank?

A rebate from the lender to the borrower for accepting a par rate; prohibited because it was opaque A lender payment to a mortgage broker for delivering an above-par rate loan; prohibited due to conflicts of interest and lack of borrower transparency A government incentive for affordable lending; prohibited due to budget cuts A fee charged by the loan officer to the borrower; prohibited for being too expensive