Free · 40 questions · State law only · No signup

Free Texas real estate state portion practice test.

Take 40 original Texas state-law questions in the exact current sales-agent area mix. The practice timer is 72 minutes; the real State appointment allows 90. Answers stay hidden until submission, and every result includes the rule, explanation, exam trap, and next topic to study.

Quick answer

This free Texas state-only practice test contains 40 scored questions across all six current state-law areas. The allocation is exactly 3, 3, 9, 11, 9, and 5, matching the Pearson VUE sales-agent outline effective January 1, 2026. Our 72-minute practice timer scales the real appointment’s 90 minutes for 50 displayed items to 40 practice questions. A practice score of 28/40 matches the official raw passing threshold; it does not predict an official result. See the Pearson outline and candidate handbook.

40
scored practice questions
72
minute practice timer
28
correct meets practice line
6
official state-law areas
Timed and scored

Take the Texas state portion practice test.

Complete the test without notes. When browser storage is available, you can resume after a refresh. The timer keeps running while you are away. Returning never opens the answer review automatically. You choose whether to resume, start fresh, or review a completed result. Each retake follows the official area weights, but questions can repeat.

Timed mock exam · Scored

Texas State Portion Practice Test

40 questions drawn across the six Texas state-law areas using the current scored-item weights. You have 72 minutes. Answers are hidden until you submit. Aim for 70% or better as a practice line.

40 questions
72 min
28/40 practice line

Progress is saved in this browser when local storage is available. The timer keeps running if you leave. Returning shows a choice to resume, start fresh, or review a completed result. Answers stay hidden until submission or an explicit review. Original Pass Texas questions, not reproduced Pearson VUE items. Exam-prep practice, not legal advice.

Original practice questions

These are original Pass Texas questions, not reproduced Pearson VUE exam items. They are written from the current content outline, Texas statutes, TREC rules, and current forms. Use them for exam preparation, not as legal or professional advice.
Exact scored-item allocation

The six areas in every practice draw.

Pearson publishes item counts for each area, but not for the individual Texas subtopics. This simulator matches the area totals exactly and spreads selections across subtopics before adding depth.

Area I
3

Commission Duties and Powers
7.5% of the scored state portion

Area II
3

Licensing
7.5% of the scored state portion

Area III
9

Standards of Conduct
22.5% of the scored state portion

Area IV
11

Agency/Brokerage
27.5% of the scored state portion

Area V
9

Contracts
22.5% of the scored state portion

Area VI
5

Special Topics
12.5% of the scored state portion

2026 accuracy note

The Sales Agent State Law outline is effective January 1, 2026. For buyer-agreement questions, distinguish a prospective residential buyer from a tenant or commercial buyer. TREC's 2026 guidance explains when representation and showing-only agreements apply. These requirements should not be treated as one rule for every transaction.

Learn the six areas in exam order

What the Texas state portion is testing.

Each guide below names every official subtopic, explains the decision rule, shows the traps that change an answer, and works one original question. Pearson publishes area totals, not a separate weight for each lettered subtopic.

Area I · Guide 1 of 6

Commission Duties and Powers

TREC Duties and Powers is 3 scored Texas state-law items covering General Powers, Handling of Complaints, and Penalties for Violation.

3of 40 scored7.5% of the State portion
Review TREC Duties & Powers: subtopics, example and sources
Official outline

Subtopics to cover

  1. AGeneral Powers
  2. BHandling of Complaints
  3. CPenalties for Violation

Pearson does not publish a question count for these individual subtopics. The 3-item total applies to the area as a whole.

What the exam is testing

Facts that decide the answer

  • A. General Powers: nine-member composition, duties, powers, and real estate advisory committees
  • B. Handling of Complaints: initiation, investigation, processing, SOAH hearing, Final Order, and appeal
  • C. Penalties for Violation: unlicensed activity, disciplinary authority, refunds, and the Recovery Trust Account
Decision rule

Name the institution and the process before choosing a consequence. The Legislature enacts TRELA, TREC administers it, SOAH conducts specified hearings, the Commission renders the final agency decision, and courts handle judicial review.

Common traps

Where a plausible answer goes wrong

01TREC does not write TRELA. The Texas Legislature enacts the statute.

02The six industry seats on TREC are broker seats. Section 1101.051 does not say broker or sales agent.

03Advisory committees recommend or draft within an assigned role. They do not replace the Commission.

04TREC may initiate its own complaint. It is not limited to responding to a consumer filing.

Worked question · Subtopic A

A study outline separates the Texas Real Estate License Act from the TREC Rules. Which statement correctly identifies the lawmaker and the regulator?

Original Pass Texas question
  1. A

    TREC enacts the Act; the Legislature decides individual disciplinary cases.

  2. B

    The Broker-Lawyer Committee enacts the Act; TREC publishes it.

  3. C

    The Legislature enacts the Act; TREC administers it and adopts authorized rules.

    Correct
  4. D

    TREC and SOAH jointly enact the Act through contested-case decisions.

Why C is correct. The Texas Legislature enacts the Texas Real Estate License Act, in Occupations Code Chapter 1101. Section 1101.151 gives TREC authority to administer Chapters 1101 and 1102 and adopt and enforce necessary rules. A rule must stay within delegated authority; it is not an amendment to the Act.

Exam trap. Keep legislation, rulemaking and enforcement separate. A regulator does not acquire legislative power by publishing a rule.

Rule reference. Texas Occupations Code 1101.151

Area II · Guide 2 of 6

Licensing

Licensing is 3 scored Texas state-law items covering licensed activity and exemptions, the sales-agent application and denial process, and license maintenance through renewal, sponsorship, inactive status, and registered names.

3of 40 scored7.5% of the State portion
Review Licensing: subtopics, example and sources
Official outline

Subtopics to cover

  1. AActivities Requiring License
  2. BLicensing Process
  3. CLicense Maintenance and Renewal

Pearson does not publish a question count for these individual subtopics. The 3-item total applies to the area as a whole.

What the exam is testing

Facts that decide the answer

  • A. Activities Requiring License: scope of practice, exemptions, business entities, inspectors, and appraisers
  • B. Licensing Process: general and fitness requirements, education, examination, application denial, and appeal
  • C. License Maintenance and Renewal: continuing education, sponsorship changes, inactive status, and assumed names
Decision rule

Sort actor, activity, expected payment, exemption, and current authority. Then decide whether the item asks about getting the license or keeping it active.

Common traps

Where a plausible answer goes wrong

01Passing the exam does not activate a sales-agent license. TREC issues an inactive license, and active brokerage requires sponsorship.

02Broker permission cannot make license-required activity lawful for an unlicensed person.

03Showing includes unlocking, giving access, permitting a viewing, and hosting an open house unless an exemption applies.

04Owner, employee, attorney, auctioneer, apartment-manager, and power-of-attorney exemptions are fact-specific.

Worked question · Subtopic A

An individual negotiates a property purchase for another person expecting a fee. No statutory exemption applies. What authority is required before performing that brokerage?

Original Pass Texas question
  1. A

    Only the buyer's written authorization to negotiate the purchase.

  2. B

    Only registration with a local real estate association.

  3. C

    The appropriate Texas real estate license and, for a sales agent, active broker sponsorship.

    Correct
  4. D

    An appraiser credential plus the buyer's written fee agreement.

Why C is correct. Texas law treats negotiating a purchase for another with the expectation of valuable consideration as brokerage. The appropriate real estate license is required unless an exemption applies. A sales agent acts for a sponsoring broker, not independently. The requirement does not begin only when the fee is paid.

Exam trap. An expected fee can trigger the rule. Waiting to collect payment does not make unlicensed negotiation permissible.

Rule reference. Texas Occupations Code 1101.004, 1101.351

Area III · Guide 3 of 6

Standards of Conduct

Standards of Conduct contributes 9 scored Texas state-law items. It tests professional ethics, discipline, unauthorized practice of law, trust money, compensation, rebates, and advertising through fact patterns where one detail changes the lawful response.

9of 40 scored22.5% of the State portion
Review Standards of Conduct: subtopics, example and sources
Official outline

Subtopics to cover

  1. AProfessional Ethics and Conduct
  2. BGrounds for Discipline
  3. CUnauthorized Practice of Law
  4. DTrust Accounts
  5. ESplitting Fees
  6. FRebates
  7. GAdvertising

Pearson does not publish a question count for these individual subtopics. The 9-item total applies to the area as a whole.

What the exam is testing

Facts that decide the answer

  • A. Professional Ethics and Conduct: fidelity, integrity, competence, honesty, fair dealing, and timely response
  • B. Grounds for Discipline: negligence, dishonesty, misrepresentation, nondisclosure, money violations, required forms, and misleading ads
  • C-D. Unauthorized Practice of Law and Trust Accounts: form boundaries, legal advice, receipt, deposit, separation, records, and disbursement
  • E-G. Splitting Fees, Rebates, and Advertising: licensed activity, compensation channels, consent, settlement-service limits, identity, size, and misleading impressions
Decision rule

Name the conduct before choosing the consequence. Ask whose interest, money, words, payment, or public impression the rule protects.

Common traps

Where a plausible answer goes wrong

01Client loyalty never permits dishonesty to another party. Fidelity puts the client first and still requires fair treatment of others.

02Rule 537.11 is broader than the slogan "fill in the blanks." It permits informational items and a narrow written-instruction change, but never legal drafting or legal-effect advice.

03A sales agent delivers trust money to the sponsoring broker immediately. The broker's second-working-day default starts when the broker receives it.

04A sales agent may accept transaction compensation only from the sponsoring broker. Written broker consent does not authorize direct client payment.

Worked question · Subtopic A

A seller's property is not under contract. The listing agent prefers a quick cash closing and hides a higher financed offer solely to avoid extra work. Which answer best applies the fidelity canon?

Original Pass Texas question
  1. A

    The agent may screen out offers whenever financing could delay closing.

  2. B

    The agent put personal convenience above the client's interest.

    Correct
  3. C

    The agent may withhold the offer if the advertised price was already met.

  4. D

    The agent fulfilled fidelity by choosing the easiest transaction to close.

Why B is correct. Rule 531.2 makes the client's interests primary and prohibits putting personal interests first. The seller decides which offer to accept. Rule 535.156(a)'s written-instruction exception for later offers after a client enters a contract does not apply: this property is not under contract.

Exam trap. An offer with financing is not automatically better or worse. The violation is hiding it for the agent's convenience.

Rule reference. TREC Rules 531.2(1)-(3), 535.156(a)-(b); TRELA 1101.557(b)

Area IV · Guide 4 of 6

Agency/Brokerage

This is the largest Texas state-law area. It tests IABS delivery, representation, intermediary practice, minimum services, broker supervision, and the proper use of unlicensed assistants.

11of 40 scored27.5% of the State portion
Review Agency & Brokerage: subtopics, example and sources
Official outline

Subtopics to cover

  1. ADisclosure
  2. BIntermediary Practice
  3. CDuties to Client (including Minimum Services)
  4. DBroker-Sales Agent Relationships
  5. EBroker’s Responsibility for Acts of Sales Agent
  6. FAppropriate Use of Unlicensed Assistants

Pearson does not publish a question count for these individual subtopics. The 11-item total applies to the area as a whole.

What the exam is testing

Facts that decide the answer

  • Agency disclosure, IABS timing and its three exceptions, and what the notice does not create
  • Intermediary consent, the compensation-source requirement, appointments, and limits on advice
  • Duties to clients, minimum services, and the confidential-information boundary
  • Broker-sales-agent relationships, sponsorship, and compensation routing
  • The broker's responsibility for a sales agent's acts, which delegation does not move
  • Appropriate use of unlicensed assistants, and the 2026 showing and written-agreement rules
Decision rule

Draw the relationships. Identify the broker, the represented party, any appointed license holder, and the written consent before deciding who may advise whom.

Common traps

Where a plausible answer goes wrong

01IABS is a notice, not a representation agreement.

02Texas uses intermediary practice with written consent. Do not import another state's dual-agency rule.

03An intermediary can exist without appointments. Without appointments, the intermediary does not give opinions or advice favoring either party.

04Written consent alone is not enough: TRELA Sec. 1101.559(a)(2) requires the consent to state the source of any expected compensation.

Worked question · Subtopic B

A broker agrees to represent both the seller and the buyer in the same transaction. Which requirement must be met for the broker to act as intermediary?

Original Pass Texas question
  1. A

    Oral consent from both parties, with compensation disclosed at closing

  2. B

    Written consent from each party stating the source of expected compensation

    Correct
  3. C

    Written consent from the party paying the broker, with notice to the other

  4. D

    Separate IABS acknowledgments from both parties, with no additional consent

Why B is correct. Section 1101.559(a) requires each party's written consent and identification of the source of any expected broker compensation. Consent is not supplied just by delivering IABS. If the broker represents both sides, Texas requires the intermediary framework rather than ordinary dual agency.

Exam trap. Written consent, source of compensation and impartial conduct are separate requirements. Consent does not authorize the broker to favor either party.

Rule reference. TRELA 1101.559(a)-(c); 1101.561(b)

Area V · Guide 5 of 6

Contracts

This 9-item Texas state-law area tests current promulgated contracts, forms and addenda, the Statute of Frauds, and seller disclosures. Expect form-selection, deadline, exemption, and legal-drafting-boundary questions rather than simple form-number recall.

9of 40 scored22.5% of the State portion
Review Contracts & Forms: subtopics, example and sources
Official outline

Subtopics to cover

  1. APromulgated Contracts, Forms, and Addenda
  2. BStatute of Frauds
  3. CSeller Disclosure Requirements

Pearson does not publish a question count for these individual subtopics. The 9-item total applies to the area as a whole.

What the exam is testing

Facts that decide the answer

  • A. Promulgated Contracts, Forms, and Addenda: mandatory and voluntary use, Rule 537.11 exceptions, form selection, current 2026 forms, informational items, amendments, notices, and legal-drafting limits
  • B. Statute of Frauds: the writing and signature rule for a real estate sale and a lease longer than one year under Business and Commerce Code Section 26.01
  • C. Seller Disclosure Requirements: Property Code Section 5.008 coverage, exemptions, delivery timing, the seven-day late-delivery remedy, Form 55-1, and the separate 2026 Seller's Water Disclosure
Decision rule

Name the official subtopic first. Then identify the governing rule, statute, form, paragraph, deadline, or exemption before choosing an answer.

Common traps

Where a plausible answer goes wrong

01The Broker-Lawyer Committee drafts and revises standardizable forms. TREC adopts them by rule.

02A TREC form is not automatically mandatory. Rule 537.1 distinguishes mandatory use from voluntary use.

03Rule 537.11 is broader than the slogan 'fill in the blanks only.' It permits informational items and a narrow conspicuous change made at a principal's specific written instruction, but not license-holder-created legal language or advice.

04No TREC mandatory form does not mean any form is acceptable. Rule 537.11(a)(4) limits the permitted sources.

Worked question · Subtopic A

A Texas sales agent is negotiating the resale of an existing duplex for a buyer. It is not a condominium or a farm and ranch transaction, and no Rule 537.11 exception applies. Which base contract should the agent use?

Original Pass Texas question
  1. A

    TREC Residential Condominium Contract (Resale).

  2. B

    TREC One to Four Family Residential Contract (Resale), Form 20-19.

    Correct
  3. C

    TREC New Home Contract (Completed Construction), for a builder's sale.

  4. D

    TREC Unimproved Property Contract, with an attachment describing the duplex.

Why B is correct. Rule 537.11 requires the appropriate mandatory form unless an exception applies. Form 20-19 covers the resale of a single-family home, duplex, triplex or fourplex. TREC lists this version as effective July 1, 2026. Select any needed addenda separately.

Exam trap. Two dwelling units do not make the property a condominium. Use the ownership and transaction facts, not just the number of doors.

Rule reference. TREC Rules 537.11(a), 537.28; TREC Form 20-19

Area VI · Guide 6 of 6

Special Topics

Special Topics is the 5-item Texas state-law area covering community property, homestead, DTPA, wills and estates, landlord-tenant law, foreclosure and short sales, recording, improvement liens, the Veterans Land Board, property owners associations, and equitable interest.

5of 40 scored12.5% of the State portion
Review Special Topics: subtopics, example and sources
Official outline

Subtopics to cover

  1. ACommunity Property
  2. BHomestead Protections and Tax Exemptions
  3. CDeceptive Trade Practices Act
  4. DWills and Estates
  5. ELandlord-Tenant Issues
  6. FForeclosure and Short Sales
  7. GRecording Statutes
  8. HMechanic's and Materialman's Liens
  9. IVeterans Land Board
  10. JHome Owners Associations
  11. KEquitable Interest

Pearson does not publish a question count for these individual subtopics. The 5-item total applies to the area as a whole.

What the exam is testing

Facts that decide the answer

  • A Community Property; B Homestead Protections and Tax Exemptions; C Deceptive Trade Practices Act
  • D Wills and Estates; E Landlord-Tenant Issues; F Foreclosure and Short Sales
  • G Recording Statutes; H Mechanic's and Materialman's Liens; I Veterans Land Board
  • J Home Owners Associations; K Equitable Interest
Decision rule

Name the official outline row before applying a rule. Most wrong answers borrow a true statement from a neighboring system, such as using a tax-exemption rule to answer a creditor-protection question.

Common traps

Where a plausible answer goes wrong

01A deed name does not settle whether marital property is community or separate.

02Creditor protection, a tax exemption, and an appraisal limitation are three different homestead rules.

03A license holder's DTPA exemption is not blanket immunity for factual misrepresentation, intentional nondisclosure, or unconscionable conduct.

04A holographic will follows a different witness rule from an attested will.

Worked question · Subtopic A

A married buyer purchases a Texas home entirely with wages earned during the marriage. No separate-property tracing or marital-property agreement is involved. How is the home classified under the ordinary community-property rules?

Original Pass Texas question
  1. A

    As the earning spouse's separate property because that spouse supplied the wages.

  2. B

    As separate property if only one spouse is named on the deed.

  3. C

    As community property, not separate property merely because one spouse earned the wages.

    Correct
  4. D

    As a survivorship estate automatically passing to the other spouse without further documents.

Why C is correct. Family Code 3.002 defines community property as property acquired during marriage other than separate property. Section 3.003 presumes property possessed during marriage or at dissolution to be community property; proving separate character requires clear and convincing evidence. Deed names alone do not resolve that classification.

Exam trap. Identify the source of the funds and any applicable exception. Management rights and survivorship are separate questions.

Rule reference. Texas Family Code 3.001-3.003

Transparent simulation design

How this practice test compares with the real state portion.

The real state appointment includes 10 unidentified pretest items. This practice test leaves them out so your result maps directly to the 40 scored-item passing line. Matching the outline and timing does not mean the questions have the same difficulty as Pearson’s exam.

Real Texas state appointment compared with this practice test
MeasureReal state portionThis practice testWhy it matters
Scored items4040Same scored length
Unscored pretest items10, not identifiedNoneEvery practice item affects your score
Items displayed5040Pearson adds the 10 pretest items
Time90 minutes72 minutesSame average pace per displayed item
Passing line28 of 40 scored28 of 40Same raw threshold
Area allocation3, 3, 9, 11, 9, 53, 3, 9, 11, 9, 5Exact official area mix
Why 72 minutes?

Pearson gives the separate state appointment 90 minutes for 50 displayed items, which is 1.8 minutes per item. Forty questions at the same pace take 72 minutes. Pearson does not publish 72 minutes as an official test limit. It is a proportional practice target.

Make the next session count

What to do after you submit.

1Read the score in contextCheck how many questions you answered. An incomplete attempt can help you study, but it does not measure a full 40-question performance.
2Review guesses as well as missesA lucky answer is not mastered. Mark every question you could not explain before seeing the choices.
3Explain the rule in your own wordsWrite the deciding fact and the governing rule. Then try a different example from that area.
4Return to a mixed testA new draw can repeat questions. Remembering an answer can raise your score without improving your understanding, so check that you can explain it.

Below 28? Start with the explanations. At 28 or above? Check your guesses.

For a completed test, compare missed answers across all six areas. Choose one rule you struggled to apply and work through its lesson before taking another timed test. The study guide’s worked example shows how to choose a first topic.

If you are preparing for a retake, use the free retake planner and error log. To keep this timed result in your web-app account, choose Save my score to my account in the results panel. You can review every explanation here without signing up.

Direct answers

Texas state portion practice test FAQ.

Where can I take a free Texas real estate state-only practice test?

You can take the free 40-question state-only practice test on this page with no signup. It draws only from the six Texas Sales Agent State Law areas and gives you a score, area breakdown, explanations, traps, and source references after submission.

How many questions are on the Texas real estate state portion?

The current Pearson VUE sales-agent outline lists 40 scored state-law items plus 10 unscored pretest items. The separate state appointment therefore presents 50 items, but only 40 determine the state score.

Why does this practice test have 40 questions instead of 50?

This test measures the 40 scored-item blueprint directly. Pearson's additional 10 state items are unidentified pretest questions and do not affect the official score. Adding 10 ordinary scored practice questions would create a score that no longer maps cleanly to 28 of 40.

Why is the practice timer 72 minutes?

Pearson lists 50 displayed state items in 90 minutes, an average of 1.8 minutes per item. Applying that pace to 40 scored practice questions gives 72 minutes. This is a training timer, not a separate time limit published by Pearson VUE.

What score should I aim for on this Texas state practice test?

The official raw passing line is 28 correct out of 40 scored state-law items, or 70 percent. For readiness, aim to clear that line consistently on fresh questions and leave enough margin for unfamiliar wording and test-day pressure.

Does this test use the latest 2026 Texas state exam syllabus?

Yes. The test follows the Texas Sales Agent State Law content outline effective January 1, 2026. The official document calls it a content outline rather than a syllabus. Its six area totals are 3, 3, 9, 11, 9, and 5 scored items.

What topics are included in the Texas state practice test?

The test covers Commission Duties and Powers, Licensing, Standards of Conduct, Agency/Brokerage, Contracts, and Special Topics. Question selection also spreads across official subtopics before adding extra questions from the same subtopic.

Does the practice test include the 2026 buyer-agreement changes?

Yes. The state question bank includes the written-agreement requirements effective January 1, 2026, including the representation and nonrepresentation showing paths explained by TREC.

Are these actual Pearson VUE exam questions?

No. These are original Pass Texas questions written from the official outline, Texas statutes, TREC rules, and current forms. They are not copied, recalled, or reproduced Pearson VUE exam items.

Can I retake the state practice test?

Yes. Each retake draws a blueprint-weighted set from the state-law pool, so questions can repeat. Your attempt is saved in this browser when local storage is available. When you return, you choose whether to resume an unfinished test, start fresh, or review a completed result. Correct answers are never shown without submission or an explicit review choice.

Does passing this practice test guarantee I will pass the state exam?

No. A practice result is evidence, not a guarantee. Use repeated fresh attempts, review guessed answers, and work on weak areas. You must also pass the National/General portion separately unless TREC has granted an applicable exemption.

Can I save my State practice-test result?

Yes. After submitting, choose Save my score to my account to continue in the web app. Sign in or create an account to attach the result. Opening the app separately does not save this test, and this does not import your official Pearson score report.

Keep practicing between study sessions

Work on the Texas rules you keep missing.

Use Pass Texas on your phone or in your browser. Read the explanation after each practice answer, keep your app progress in your account, and come back to the State topic you need next.

Try the app free
A 30-question diagnostic, National Contracts and Agency practice, and selected study guides.
For focused State practice
Full access includes all six State areas, alongside the National areas: 1,377 questions in total for $59.99 USD once, with no subscription.

Already have an account? Sign in to continue. Compare free and full access and confirm the price before purchasing.

The website State test and topic questions stay free. To save a timed website result to your web-app account, use “Save my score to my account” after submitting. Opening the app does not import your score report or study plan.

Primary-source review

Official sources used for this practice test.

The exam allocation, scoring, timing and buyer-agreement explanation on this page were checked September 24, 2026 for rules in effect on September 23. Study recommendations and the 72-minute timer are Pass Texas editorial choices. Each topic includes its own legal and form references.

  1. Pearson VUE Texas Real Estate Content Outlines, publication 094401, revision 01/2026

    Defines the 40 scored state-law items, 10 unscored pretest items, six official areas, and the 3, 3, 9, 11, 9, and 5 allocation effective January 1, 2026.

  2. Pearson VUE Texas Real Estate Candidate Handbook, September 2026 edition, revision 08/2026

    Confirms appointment timing, score reporting, testing procedures, and candidate rules.

  3. Texas Occupations Code Chapter 1101, TRELA

    Provides the controlling Texas license law for TREC authority, licensing, conduct, representation, supervision, and enforcement.

  4. TREC Rules and Laws

    Provides the current Commission rules used for conduct, trust money, advertising, supervision, and promulgated forms.

  5. TREC Contracts and Forms

    Provides current promulgated contracts, addenda, notices, disclosure forms, revision dates, and mandatory-use dates.

  6. TREC 2026 residential buyer-agreement guidance

    Explains the representation and showing-only nonrepresentation paths effective January 1, 2026.