Agency

Under Illinois law, the agency disclosure document must be provided:

AOnly at closing
BOnly when a written contract is signed
CAt or before the first substantive contact✓ Correct
DOnly when the licensee represents the buyer

Explanation

Illinois law requires the agency disclosure document to be provided at or before the first substantive contact between a licensee and a consumer. This ensures consumers understand the nature of the agency relationship before any meaningful discussion of their needs.

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