Under which act may a borrower NOT cancel a transaction within three days of signing?

The correct choice is based on understanding the purpose of the acts listed. The Real Estate Settlement Procedures Act (RESPA) primarily governs disclosures related to the settlement process and the costs associated with real estate transactions. It does not provide a borrower with the right to cancel a transaction after signing.

In contrast, both the Truth in Lending Act and the Home Ownership Equity Protection Act include provisions that allow borrowers to rescind certain transactions within three days of signing. Specifically, the Truth in Lending Act gives borrowers a right of rescission for certain types of loans, particularly those involving home equity. Similarly, the Home Ownership Equity Protection Act outlines protective measures for borrowers, including a right to cancel under specific high-cost loan situations.

The Fair Housing Act, on the other hand, focuses on the prohibition of discrimination in housing based on race, color, national origin, religion, sex, familial status, or disability, and does not pertain to cancellation rights.

Given this context, the Real Estate Settlement Procedures Act is the appropriate choice regarding situations where a borrower does not have the right to cancel a transaction within three days of signing, as it does not include such provisions.