No. They can choose to not charge a fee but that is up to the executor.
yes. lots.
The three musketeers
Do not let anyone charge you an up front fee for a loan modification. Go see you bank and run whatever this proposal is past them.
Nothing really tells people what they must and mustn't do, humans just know the right thing to do. Like you wouldn't need someone to tell you not to jump off of a cliff-we already know not to.