Real Estate Compliance Policy

1. Scope

This policy applies to real estate brokerages, teams, agents, property managers and proptech customers using HookPilot in the United States, Canada (CREA / RECO / OREA) and other jurisdictions with comparable real-estate frameworks. It supplements the Terms of Service, AI Disclosure and AI Governance.

2. Fair Housing (US)

The Real Estate department's Statute agent applies a Fair Housing filter to listing copy, captions, video voiceovers, ad targeting prompts and outreach scripts. It will reject or rewrite content that references a protected characteristic in a discriminatory way under the Fair Housing Act (42 U.S.C. §3601 et seq.), HUD's 2022 ad-targeting guidance, applicable state Fair Housing acts, and the Canadian Human Rights Act / provincial equivalents. The filter is on by default for the Real Estate department and cannot be turned off without compliance attestation.

3. Licensure

HookPilot does not give regulated real-estate advice. Statements that require a licensed agent or broker — pricing recommendations, listing agreements, agency-relationship advice, contract drafting — must be reviewed and adopted by your licensed personnel. Outputs that would be "the unauthorized practice of real estate" in a jurisdiction are veto-blocked by default.

4. MLS and IDX

Listing copy that will appear on an MLS or IDX feed must follow the rules of that MLS (NAR Handbook, local MLS rules, IDX display rules). The Real Estate department's Caption Studio templates include MLS-friendly defaults; you remain responsible for confirming the specific MLS's policies for your listings.

5. NAR Settlement — Cooperative Compensation

Following the NAR settlement effective August 17, 2024, MLS-displayed offers of cooperative compensation and the requirement for written buyer-broker agreements before showings have changed how content describes commissions and representation. The Real Estate department's Statute agent flags outputs that imply uniform commission or guaranteed cooperative compensation, and inserts buyer-broker-agreement-aware language in scripts for buyer outreach.

6. RESPA Section 8

HookPilot does not arrange or remunerate kickback-style referrals for settlement services and the platform's outputs should not either. Co-marketing arrangements with affiliated mortgage / title / insurance providers should be reviewed against RESPA Section 8 by the customer's compliance function before publication.

7. TCPA, CAN-SPAM and Local Outreach Laws

Real-estate outbound (calls, texts, email, voicemail drops) is heavily regulated. The Real Estate department's templates include time-of-day windows, opt-out language, do-not-call respect, and platform-specific disclosure for SMS and prerecorded messages. You remain responsible for your own DNC list, consent records and platform-specific deliverability.

8. Recordkeeping

Brokerages typically must preserve transaction-related communications for 3 to 7 years (state-specific). HookPilot exposes per-output audit logs, exportable records and Enterprise preservation hooks so your transaction file remains complete.

9. Real Estate Department Floor

Workspaces operating in real estate mode inherit: Fair Housing filter; veto by the Statute and Shield agents on listings that touch protected characteristics; framework adherence to NAR Code of Ethics; hallucination self-check on prices, square footage and amenities; restricted routing for outputs that name specific addresses; and a review queue surfaced to the brokerage's designated managing broker / compliance officer.

10. Contact

Real-estate-compliance questions: legal@hookpilot.co. Brokerage Enterprise contracting: legal@hookpilot.co.