In Indiana, the Agency Disclosure form must be provided:

Providing agency disclosure only at closing would be too late, as clients need to understand their agency representation before sharing confidential information or making decisions about a property during the transaction process.

Agency disclosure is not optional in Indiana—it's a mandatory requirement that must be provided at the first substantive discussion, regardless of whether the client specifically requests it.

Providing disclosure after contract signing violates Indiana law, as clients need to understand their agency representation before entering into negotiations or sharing confidential information.