Arkansas requires agency disclosure:

Agency disclosure is a fundamental concept in real estate that protects consumers and establishes clear relationships between agents and clients. In Arkansas, the timing of this disclosure is crucial because it sets the foundation for all subsequent interactions. The question tests knowledge of when this disclosure must occur. Option A (at closing) is too late, as the agency relationship must be established before any substantive discussions about property begin. Option C (only if requested) is incorrect because disclosure is mandatory, not optional. Option D (never) is clearly wrong as disclosure is required by law. The correct answer is B (at first substantive contact), which aligns with Arkansas regulations requiring disclosure before any meaningful discussions about property needs, finances, or specific properties occur. This timing ensures clients understand their agent's role from the outset, preventing misunderstandings later in the transaction process.