Under the DNCL, which statement best describes an existing business relationship (EBR)?

• A. The consumer had purchased or leased a product from the brokerage within the past 18 months
• B. The consumer had a written contract with the brokerage that expired within the past 18 months (such as a listing)
• C. The consumer had made an inquiry with the brokerage within the past 6 months
• D. All of the above

Answer: (D)

An existing business relationship (EBR) is a connection you have with a consumer that allows you to contact them without prior consent, within specific time limits. Under the DNCL, this includes a consumer who has purchased or leased a product from your brokerage in the past 18 months, someone who had a written contract with the brokerage that expired within the past 18 months (like a listing), or someone who has made an inquiry with the brokerage within the past 6 months. Each of these scenarios shows a recent or ongoing connection with the brokerage, so they all meet the EBR criteria. Therefore, all three describe an EBR, making the combined choice correct. If the relationship is beyond those timeframes, you’d generally need consent or another exemption to contact.