Hi all! I've decided to go for my agent license, and have been plugging away at my study guide, the guide tests, and a few other resources online. I went through the ethics section the other day, and that got me to thinking about agent referrals. I understand how an agent can refer a buyer/seller to another agent (especially for a client moving to another state). I have two referral scenarios, that I was wondering if an agent can refer to another agent, and if so, can the agent receiving the referral offer  the agent who provided the referral compensation.

If a lender offers referral fees, can an agent refer to another agent the borrower? Then, when the lender gives a referral fee to the agent, if the agent receiving the fee can split it with the agent who referred the borrower?

Second scenario is almost the same as above. The difference is that instead of a lender and borrower, the scenario is a vendor that helps schools, churches, and other NPOs fundraise, and an organization: agent refers NPO to agent who is affiliated with vendor, vendor offers referral fee to agent, agent splits referral fee to agent that referred the nonprofit.

Is there anything--legally or ethically--that would prevent agents from doing these, or can it be done, without any issues?

Thanks!