Tennessee requires agency disclosure:

Agency disclosure is a fundamental concept in real estate that establishes the legal relationship between agents and clients. This question specifically addresses Tennessee's timing requirements for agency disclosure, which is crucial because it affects when an agent's fiduciary duties begin. The question tests understanding of when this disclosure must occur in the transaction process. Option A (closing only) is incorrect because disclosure must happen much earlier. Option C (only if requested) is wrong as disclosure is mandatory, not optional. Option D (never) is obviously incorrect as disclosure is required by law. The correct answer, B, aligns with most state regulations that require early disclosure to ensure transparency and protect consumers. This question challenges students because it requires knowledge of specific state regulations rather than general principles, and because the timing of disclosure is a nuanced aspect of agency relationships that many new agents misunderstand.