Real Estate Law
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I am not sure why you are asking about RESPA. This RESPA act was designed to protect potential homeowners. RESPA requires that lenders provide greater amounts of information to prospective borrowers at certain points in the loan settlement process. It also prohibits the various parties involved from paying kickbacks to each other.
This appears to be more of a breach of fiduciary duty or breach of contract or negligence issue. There may be a way to extend the statute of limitations. But, I am not sure why you have waited till now to do something since your wife knew that the money was not rolled over back in 2010.
Can you please explain further?