From what I have been hearing FHA has a new regulation that if one does not put down 20% that PMI will continue if you do not refinance.  

As a guy that was in the crash of the late 90's as well as the crash of 08' and in the banking industry, I can say at least from my perspective that it's a different world and in my opinion, one for the better as far as laws and regulations go.

That would be a violation of the Real Estate Settlement Procedures Act (RESPA) and they could both get fined and lose their licenses.The primary reason a real estate agent recommends a specific lender is because they have a good track record with them.  

That means using a Trust or LLC or you mom or wife to loophole into exceptions that is not at arm's length (no other relationship involved with a party behind the scenes benefiting) will be treated as a regulated activity. 

What law/regulation do you think says they "can not reveal who made the complaint"?  

You don't want to do any long term installment contract without an attorney, if you can find one to do one.The DOS and FHA regulations are anchored in federal law, not administrative "discipline" and administrative rulings carry the weight of federal law. 

I found the 180 day rule in the Rev Proc 96-31, Section 5 as follows:   "A taxpayer makes a change in accounting method under this revenue procedure by completing & filing a current Form 3115 in duplicate.  

Persons who perform lead-based paint activities within residential dwellings they own and occupy are exempt from the regulations unless the residential dwelling is occupied by a person or persons other than the owner or owner's immediate family while these activities are being performed, or a child residing in the building has been identified as having an elevated blood lead level as determined by the United States Department of Health and Human Services; Centers for Disease Control and Prevention.It was in these FAQs... 

You should def read up on the JOBS Act and look into Rule 506 of Regulation.

Not with any government regulated loan.