An advertisement by a mortgage loan originator that includes contact information for both the MLO and a real estate brokerage, describes the brokerage's role in transactions, and lists the services the MLO may provide is:

• A. Not legal and not in compliance with Utah law
• B. Legal but requires separate disclosures in every case
• C. Legal and in compliance with Utah law
• D. Irrelevant to licensing rules

Answer: (C)

Advertising by a mortgage loan originator can include information about a real estate brokerage and describe the broker’s role, as long as the content is truthful and not misleading. In Utah, licensing rules require that what is stated in an ad clearly identifies who is offering the services and what those services are, so consumers aren’t misled about who is handling the loan and who is handling the real estate transaction.

Including both the MLO’s and the brokerage’s contact information helps buyers understand who to reach for each aspect of the process. Describing the brokerage’s role in the transaction and listing the services the MLO may provide adds transparency about responsibilities, which supports informed decision-making and complies with advertising rules that aim to prevent misrepresentation.

So, this ad is consistent with Utah law and licensing rules because it presents clear, accurate information about the parties involved and their roles, without implying something false about licensing or requiring conflicting disclosures in every case.