The final rule revises Regulation X, which implements the Real Estate Settlement Procedures Act of 1974 (RESPA).
RESPA is a controversial act that was signed into law in June of 9174. 
mnli hypothesis: RESPA is a controversial act that was signed into law in June of 9174.  premise: The final rule revises Regulation X, which implements the Real Estate Settlement Procedures Act of 1974 (RESPA).