New York Agency
Practice Questions & Answers (2026)

Agency law is one of the most tested subjects on the New York real estate exam, and it's also one of the most misunderstood. The New York Department of State (DOS) expects licensees to understand the legal duties owed to clients vs. customers, and the specific timing of required disclosures under New York law. Study these questions carefully — candidates who rely on national agency frameworks and don't account for NY-specific rules are among the most common failures on the state portion.

Practice Questions

New York Agency — Practice Questions & Answers

114 questions on Agency from the New York real estate question bank. First 10 are free — sign up to unlock all 114.

Q1. In New York, the agency disclosure form must be provided to a buyer or seller:

A.Only at closing
B.At the first substantive contact with the client
C.After the contract is signed
D.Only if the licensee is acting as a buyer's agent

Explanation

New York requires licensees to provide the Agency Disclosure Form at the first substantive contact with a prospective buyer or seller and obtain their acknowledgment.

Q2. Dual agency in New York requires:

A.No special disclosure
B.Written informed consent from both the buyer and seller
C.Approval from the Department of State
D.A separate transaction broker agreement

Explanation

Dual agency in New York requires written informed consent from both parties. Without this consent, a licensee representing both buyer and seller is acting improperly.

Q3. A New York licensee is working with a buyer but has no written agreement. The licensee's relationship with the buyer is best described as:

A.Buyer's agent with full fiduciary duties
B.A seller's subagent
C.A prospective buyer relationship with limited duties
D.A transaction broker

Explanation

Without a written buyer agency agreement, a licensee working with a buyer may be considered a prospective buyer relationship with limited duties, not a full fiduciary relationship. The agency relationship should be clearly established in writing.

Q4. Which fiduciary duty requires a seller's agent to keep the seller's motivation for selling confidential?

A.Loyalty
B.Confidentiality
C.Disclosure
D.Obedience

Explanation

The duty of confidentiality requires the agent to keep the principal's confidential information, such as the seller's motivation or urgency to sell, private and not disclose it to third parties.

Q5. In a designated agency arrangement in New York, the broker:

A.Personally represents both the buyer and seller
B.Assigns different salespeople to represent the buyer and seller separately within the same brokerage
C.Has no agency relationship with either party
D.Only represents the seller, never the buyer

Explanation

In designated agency, the broker assigns separate salespeople from the same firm to represent the buyer and seller. Each designated agent owes full fiduciary duties to their respective client.

Q6. A seller's agent discovers a material defect in the property the seller has not disclosed. The agent should:

A.Keep the information confidential to protect the seller
B.Disclose the defect to prospective buyers
C.Withdraw from the listing if the seller refuses to disclose
D.Only disclose if directly asked by the buyer

Explanation

Even a seller's agent must disclose known material defects to prospective buyers. The duty to disclose material facts overrides the duty of confidentiality to the seller.

Q7. An agent's fiduciary duty of 'obedience' means the agent must:

A.Follow all client instructions, including unlawful ones
B.Follow all lawful client instructions promptly
C.Obey the DOS's regulations above all else
D.Always act in the buyer's best interest even without an agreement

Explanation

The duty of obedience requires the agent to follow the lawful instructions of the principal. An agent must not follow instructions that are illegal or unethical.

Q8. Which type of agency is created without a formal written agreement but arises from the conduct of the parties?

A.Express agency
B.Implied agency
C.Designated agency
D.General agency

Explanation

Implied agency arises from the actions and conduct of the parties rather than from a formal written agreement. For example, if a licensee begins performing services for a client without a written agreement, an implied agency may be created.

Q9. A subagent in a real estate transaction owes fiduciary duties to:

A.The buyer only
B.The listing broker only
C.The seller (the principal)
D.Both buyer and seller equally

Explanation

A subagent is an agent of the listing broker and therefore owes fiduciary duties to the seller (the principal). A cooperating broker acting as a subagent represents the seller, not the buyer.

Q10. In New York, 'transaction brokerage' (non-agency facilitation) is:

A.Required by law for all residential transactions
B.Not recognized under New York agency law
C.Only available for commercial transactions
D.Permitted for both residential and commercial transactions

Explanation

New York does not recognize transaction brokerage (also called non-agency or facilitation) as a formal agency category under its license law. Licensees in NY must choose a recognized agency relationship.

Q11. The duty of 'reasonable care and diligence' requires an agent to:

A.Guarantee the sale of the property within 30 days
B.Perform their duties with the skill expected of a licensed professional
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