A mortgage loan originator advertises with a real estate brokerage and includes contact information for both entities, the brokerage's role, and the MLO's services. This advertisement is:

• A. This is legal and in compliance with Utah law
• B. This is illegal and violates Utah law
• C. Requires additional disclosures not specified
• D. Is permitted only if the brokerage is disclosed

Answer: (A)

Advertising that clearly presents both a mortgage loan originator and a real estate brokerage, with each party’s role and contact information, is allowed in Utah. The key is transparency: the consumer sees who handles the loan and who handles the real estate services, and there’s no implication that the brokerage is the lender. Because the ad lays out the roles and provides contact details for both entities, it meets the requirement to avoid misleading representations and is considered legal and in compliance. It isn’t illegal or missing required disclosures in this context, since the essential clarity about who does what and who to contact is already provided. The ad isn’t restricted to a condition about disclosure beyond this clear identification of each party’s role.