Tennessee requires agency disclosure:

Option A is incorrect because Tennessee law mandates agency disclosure much earlier in the transaction process, not just at closing. Delaying disclosure until closing would prevent clients from making informed decisions about representation when it matters most. Early disclosure allows buyers and sellers to understand their agent's duties and responsibilities before committing to a working relationship.

Option C is incorrect because Tennessee law requires agency disclosure as a mandatory duty, not something that only happens when specifically requested. Agents cannot wait for clients to ask about agency relationships. This proactive disclosure ensures transparency and allows clients to understand their representation status from the beginning of their interaction with a real estate professional.

Option D is incorrect because Tennessee does have specific laws requiring agency disclosure. The state mandates that agents disclose their agency relationship at the first substantive contact with prospective clients. Failing to provide this disclosure would violate state real estate regulations and could result in disciplinary actions against the license holder.