Premise: In the preambles to the proposed and final rules, HUD states without elaboration2 that by approving [the rule the Secretary] certifies that [it] does not have a significant economic impact on a substantial number of small entities, other than those impacts specifically required to be applied universally by the RESPA statute.

Hypothesis: The Secretary, according to HUD, is certain that the rules will cause significant economic hardship for small entities.
Relation: contradiction