In Texas, when must the IABS form be provided?

Providing the IABS at closing would be far too late — by that point, the consumer has already selected an agent, negotiated a contract, completed inspections, and arranged financing, all without a clear understanding of who the agent legally represented. Waiting until closing to disclose brokerage relationships would render the form meaningless as a consumer protection tool and would violate Texas law.

Providing the IABS after the contract is signed is similarly too late and violates the Texas statutory requirement for disclosure at first substantive dialogue. By the time a contract is signed, the most critical agency-sensitive negotiations have already occurred, and the consumer's opportunity to make an informed choice about representation has passed.

The IABS is not an optional document provided only upon request — it is a mandatory disclosure required by Texas law regardless of whether the consumer asks for it. Making it request-only would undermine the entire consumer protection purpose of the form, as most consumers don't know to ask for it and wouldn't know what they're missing if it weren't provided.