Utah requires agency disclosure:

Agency disclosure is a fundamental concept in real estate that protects both consumers and licensees. This question tests knowledge of Utah's specific timing requirement for agency disclosure, which is crucial for compliance and ethical practice. The core concept revolves around when disclosure must occur in a transaction. Option A (At closing) is incorrect because disclosure at closing would be too late to provide meaningful informed consent. Option C (Only if requested) is wrong because agency disclosure is typically mandatory, not optional. Option D (Never) is obviously incorrect as most states require some form of disclosure. The correct answer is B (Before entering into an agency agreement) because Utah law requires disclosure to happen before any agency relationship is established, ensuring clients understand the nature of the relationship before committing. This question is challenging because students might confuse disclosure requirements across different states or confuse it with other disclosure timing requirements like property condition disclosures. Understanding this concept connects to broader knowledge of fiduciary duties, consumer protection, and state-specific real estate regulations.