3. Agency Services
4. Improving	● https://consumerfed.org/wp-content/uploads/2019/07/Delaware-Re
Agency Disclosure	al-Estate-Agency-Disclosure-Forms.pdf ● https://consumerfed.org/wp-content/uploads/2019/07/Wyoming-Re
(2024)	al-Estate-Agency-Disclosure-Forms.pdf ● South
	Dakota (https://consumerfed.org/wp–content/uploads/2019/07/Sou
	th–Dakota–RealEstate–Agency–Disclosure–Forms.pdf), ● New
	Hampshire (https://consumerfed.org/wpcontent/uploads/2019/07/N
	ew–Hampshire–Real–Estate–Agency–Disclosure–Forms.pdf), ● and
	Vermont (https://consumerfed.org/wp–content/uploads/2019/07/Ve
	rmont–Real–Estate–AgencyDisclosure–Forms.pdf). ● Stephen Brobeck, The Agency Mess: Home Buyer and Seller Confusion and Costs Related to Diverse and Poorly ● [3] Yannis Bakos, Florencia Marotta-Wurgler, David R. Trossen, “Does Anyone Read the Fine Print? Consumer Attention to Standard Form Contracts,” New York University Law and Economics Working Paper Number 195 (2014). ● [4] Thomas J. Maronick, “Do Consumers Read Terms of Service Agreements When Installing Software? A Two Study Empirical Analysis,” International Journal of Business and Social Research, v. 4, no. 6 (2014). ● [5] Jeff Sovern, “Forum: Consumers Often Sign Contracts They Don’t Read or Understand,” Pittsburgh Post Gazette (March 3, 2015). 6 “Do You Accept the Terms & Conditions…Or Do They Need to Change?” Lawyer Monthly (April 8, 2019). ● Samuel Becher, “Research Shows Most Online Consumer Contracts are Incomprehensible, But Still Legally Binding,” Phys Org (February 4, 2019). ● [6] Sovern, loc. cit. Adam Levitin, “The Implication of Reasonable Consumers Not Reading Contracts of Adhesion,” Credit Slips (January 11, 2019).

● [7] Governor Randall S. Kroszner, “Creating More Effective Disclosures,” Speech at George Washington University School of Business policy forum (May 23, 2007).

● [8] Angela A. Hung, Min Gong, Jeremy Burke, “Effective Disclosures in Financial Decisionmaking,” RAND Corporation (2014), p. 24.

● [9] “Putting Disclosures to the Test,” Staff summary of public workshop (September 15, 2016).

● [10] Consumer Disclosures Working Group, “Best Practices and Guidelines for Consumer Information Disclosures,” National Association of Insurance Commissioners (October 17, 2012).

● [11] ORCI conducted a National survey by cell phone and landline for the Consumer Federation of America on the weekend of October 20, 2018. The 1000 respondents were representative of the U.S. adult population. The margin of error was plus or minus three percentage points.

● [12] This point was made by Douglas Miller, executive director, Consumer Advocates in American Real Estate (CAARE), in two personal communications in 2019.

● [13] June Fletcher, “New Rules: What Agents Won’t Tell You,” Wall Street Journal (March 13, 1993), B12. 16 Rodger L. Hardy, “Understanding Buyer and Seller Agency in the Beehive State,” heraldextra.com (May 15, 2015).

● [14] National Association of Realtors, 2017 Proﬁle of Home Buyers and Sellers.

● [15] Drew Seargent, “Arizona Real Estate Agency Disclosure: Why Is It Important To Buyers and Sellers?” arizonahomesbydrew.com (2019).

● [16] [17] Kleimann Communication Group, Inc. Final Report on Testing of Proposed Customer Relationship Summary Disclosures (September 10, 2018), p. 9.

● [18] We could ﬁnd no differences that were material for consumers between dual agency on the one hand, and facilitatorship (transaction brokerage) on the other.

● 18.86.120 Pamphlet on the law of real estate agency …

5. Level of Quality of Service (2024)

● Zillow Real Estate – Zillow

● realtor.com® | Homes for Sale, Apartments & Houses for Rent

● HomeLight™ Official Site

● Facebook

● YELPhttps://business.yelp.com › yelp › business

● MREC

6. Value Added for Consumers by

● Agarwal et al. (2019)

● https://www.atlantafed.org/

● Teacher Student Achievment

the Top 10% Real Estate Professionals (2024)

● Dittrich et al., 2014

● Do Real Estate Have an Advantage

● Federal Bank of Atlanta

7. Who is Going To Pay Me? Buyer or Seller? (2024)

● Sitzer/Burnett

● Department of Justice

● Moehrl Lawsuit Trial

● ANTITRUST

● NAR’s Code of Ethics

● NAR’s “Commission-Concealment Rules”

● Section 1 of the Sherman Act, 15 U.S.C. §

● NAR’s “Commission-Concealment Rules”

● 19-332 – Sitzer et al v. National Association of Realtors et al

● GovInfo (.gov)

● https://www.govinfo.gov › app › details › USCOURTS-…

Legislative and

Regulatory Restrictions on

Competition (2024)

● Federal Trade Commission

● DOJ

● JUSTICE DEPARTMENT SUES KENTUCKY REAL ESTATE COMMISSION FOR LIMITING COMPETITION AMONG REAL ESTATE BROKERS

● https://krec.ky.gov/

● The Kentucky Real Estate Commission

9. Denial of Equal Service

● Denial of Equal Service

● Long Island Divided

10. Mississippi

Real Estate

Commission

● email

● website

11.

Inside the Agency

● MREC License Law

● Broker Price Opinions – BPO Association

● Membership Info

● BPO Course & BPO Certification – Broker Price Opinions

	● COOPERATING AGREEMENT WITH NON-MISSISSIPPI LICENSED
12. Working with a Real Estate Broker	● NEW WORKING WITH A BROKER FORM (Fillable-Legal size-06-05-2023 .pdf) ● NEW WORKING WITH A BROKER FORM (Fillable-Letter size-06-05-2023.pdf) ● MREC Homepage ● MREC License Law ● info@mrec.state.ms.us – General Information Email
	ce@mrec.state.ms.us – Continuing Education Email
	insurance@mrec.state.ms.us – E & O Email
		● Miss. Code Ann. §73-35-3 Rule 4.2
13. Agency		● Rule 4.3 Disclosure Requirements
Relationship
	● MREC Agency Disclosure Form
Disclosure (MREC)	● dual agency ● Mississippi Real Estate Commissions
	● https://www.mrec.ms.gov/staff-directory/
	● info@mrec.state.ms.us –
	● General Information Email
	● info@mrec.state.ms.us – General Information Email
	● ce@mrec.state.ms.us – Continuing Education Email
	● insurance@mrec.state.ms.us – E & O Email –
	● Continuing Education Email
	● insurance@mrec.state.ms.us
	● – E & O Email
14. Dual Agency Agreement	● MREC FORM LINK ● MREC Homepage ● MREC License Law ● info@mrec.state.ms.us – General Information Email ce@mrec.state.ms.us – Continuing Education Email insurance@mrec.state.ms.us – E & O Email
15. PCDS in Agency (2024)	● NEW PROPERTY CONDITION DISCLOSURE STATEMENT (PCDS) (Fillable-Legal size .pdf) ● *SUPPLEMENTAL FORMS FOR PCDS (Fillable-Legal size .pdf)* ● NEW PROPERTY CONDITION DISCLOSURE STATEMENT (PCDS) (Fillable-Letter size .pdf) ● **SUPPLEMENTAL FORMS FOR PCDS (Fillable-Letter size .pdf)****