Closing Costs for Mortgage?

I have a friend who refinanced 2 years ago. The loan officer he used stated he had to bring money to closing. The borrower didn’t have the money at the time, so the loan officer gave him the cash to close. Now, 2 years later, he is stating that the borrower owes him back the money. Can someone tell me where in fannie mae that I can find the guideline stating that this is not legal?

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