Which act was NOT created to provide cheaper title insurance?

The Real Estate Settlement Procedures Act (RESPA) is indeed designed to promote transparency and protect consumers in real estate transactions, primarily by ensuring they receive information about the costs associated with the transaction. Its purpose includes reducing the costs of settlement services and eliminating unnecessary fees. However, the question asks specifically which act was not created to provide cheaper title insurance.

In this context, the Truth in Lending Act and the Gramm-Leach-Bliley Act focus more on consumer protection and regulation of financial disclosures and privacy rather than directly addressing title insurance costs or promoting cheaper policies. The Gramm-Leach-Bliley Act, for instance, primarily deals with the regulation of the financial industry, allowing institutions to consolidate and enhance competition without specifically targeting title insurance pricing. The Truth in Lending Act ensures consumers are informed about the terms of credit but does not specifically aim at making title insurance more affordable.

Therefore, while RESPA is focused on transparency in the home buying process and can lead to more competitive pricing in title insurance, it is not the only act related to housing finance regulation, and it's primarily concerned with disclosures rather than specifically lowering title insurance costs. Thus, identifying RESPA as an act not exclusively designed to provide cheaper title insurance aligns with the intent of the question.