As an agent whether you represent the buyer or seller you must fill in your Agent MLS Code, Agent State License Number, Firm MLS Code and Firm State License Number on the last page of the contract if there is a loan on the Contract. These rules were made effective in 2015 as part of the Consumer Financial Protection Bureau (CFPB) TILA-RESPA Integrated Disclosure rule (TRID). This was in an attempt to have consumers have a clear picture of what they are paying in cost to get a loan. The buyers could easily compare loans and costs with no surprises at the closing table. It was called “know before you owe”. It was meant to protect consumers. If Consumers have a problem, the last page of the contract will have the information about the real estate agents who were involved in the transaction. The Federal Government can review and bring in the parties that were part of this transaction.