The agent next door got a $4,000 fine for using "team" in her name without registering as a team with the commission. The broker across town lost 90 days of his license over a mishandled escrow deposit. Both said they didn't know.
8 AI skills that scan your output against your state commission rules + NAR Code of Ethics — advertising scan, personal-interest disclosure drafter, escrow check, fair-housing scan, COE checker. Catches it before you submit.
These aren't hypotheticals — they're the top disciplinary categories at every state real estate commission. Each one names the skill that scans for it.
You're listing your sister-in-law's house. Your name's on the deed of a property nearby. You forgot the disclosure form — or it's there but says "n/a." That's the single most-disciplined category at most state commissions.
"Team" used in your name without registering as a team. Brokerage name missing from your IG post. "Coming soon" without the required disclosure. Each is a $1,000-$5,000 fine in most states. The Instagram post you wrote at 11pm gets flagged on Monday.
Deposit went to the wrong account. Not deposited within the state's required window. Released without written authorization. Commingled. Any of these gets the brokerage cited — and the agent often suspended alongside the broker.
Procuring cause dispute. Article 12 advertising violation. Article 16 commission-poaching complaint. Mediation, arbitration, and public ruling — even if you "win," your local board's docket has your name on it.
Plus the flagship safely-use-ai-101 primer and state-law-references with federal layer pre-filled.
State advertising rules + brokerage requirements. Catches team-name issues, missing attribution, dual-agency wording, "coming soon" rules.
The #1 disciplinary category. Drafts the disclosure from your facts. Flags relationships and ownership interests the commission asks about.
Timing windows, release authorization, commingling risks, audit documentation. License-killer category if it goes wrong.
Catches "perfect for families," "great schools," "cozy," "walking distance to church" — the language patterns HUD has flagged in published cases.
Article 12 advertising. Article 16 commission-related communications. Procuring-cause risk in solicitations. Flags before you send.
Quick-reference for your state's real estate license law. Filename in the ZIP: frec-475-lookup.md. Rename + repoint for your state during the one-time setup.
Validates your team-name registration against state rules. Catches the $4K-fine mistake of using "team" or "group" without proper registration.
If a complaint lands. Drafts the factual response, lists supporting docs, routes to your broker-of-record and counsel before anything goes to the commission.
The commission_rules_active: true guardrail forces the AI to actually check against your state's rules before generating output. no_legal_advice: true keeps you out of UPL territory.
Loaded once at session start, enforced on every reply. This is the moat between "I asked ChatGPT" and "the compliance department signed off."
--- name: advertising-scan jurisdiction: none audience: licensed agent / broker depends_on: safely-use-ai-101 guardrails: human_in_loop: true no_invented_facts: true no_legal_advice: true commission_rules_active: true fair_housing_filter: true escalation_triggers: [active complaint, license discipline] --- # Advertising Scan You scan ads, posts, and listings against the state real estate commission's advertising rules AND the brokerage's branding requirements AND the NAR Code of Ethics. You return GREEN / YELLOW / RED with the specific rule cited for each flag...
"Built from the disciplinary cases working agents have been on the wrong side of. The personal-interest disclosure isn't theoretical — it's the form an agent forgot to file in 2024 that cost them their license. Every skill in this bundle is the answer to a closed case."
No — and any product claiming to is a problem. The skills scan first and flag what your broker or counsel should look at. The substantive call (sign / don't sign, file / don't file, accept / refuse) always stays with the licensed person. That's the UPL line, and it's the line that keeps you out of regulatory trouble.
Yes. Federal layer is pre-filled (Fair Housing Act, RESPA, TILA, TRID, ECOA, NAR Code of Ethics). You add your state real estate commission's URLs and your MLS handbook once — about 30 minutes of setup. Then every skill draws from your jurisdiction. Includes a Florida-flavored sample (FREC §475) — easy to swap for your state's equivalent.
Most existing fair-housing scanners are word-matchers — they catch obvious things like "no kids" but miss the coded language (cozy, safe neighborhood, walking distance to church) HUD has been disciplining recently. This bundle catches the patterns, plus connects to state commission and NAR COE rules in a single workflow.
Plain Markdown files. Works with Claude Desktop, Claude Code, ChatGPT (Projects or Custom Instructions), Cursor, Gemini, Perplexity, and any AI that reads files or accepts a paste.
Bundle ships with a step-by-step instructions PDF for every major AI platform. Short version: save the .md file, then upload as attachment, paste as system message, or add to your AI's Project / Custom Instructions. Under five minutes per platform.
Yours to use and edit for your own work or your single brokerage. Off-limits: repackaging for resale as your own product. Team licenses for brokerages — email for pricing.
8 AI skills + safely-use-ai-101 primer + state-law-references + step-by-step instructions PDF. Lifetime updates when rules change.