Pennsylvania Consumer Notice Timing Has a Nuanced Exception

Pennsylvania's Consumer Notice has a two track timing rule that national prep courses never explain correctly, and it's one of the most tested topics on the state portion.

The PSI exam for Pennsylvania tests 30 state specific questions alongside 80 national questions with a 75% passing threshold. Consumer Notice timing, transaction licensee prohibitions, and Pennsylvania's separate cemetery broker license category are three areas where state law creates rules that national prep materials never address. The state portion consistently separates passing candidates from those who return for a second attempt.

Consumer Notice Timing

Pennsylvania's Consumer Notice has a two-track timing rule: the default is delivery at the "initial interview," but prior oral disclosure can delay the written notice to the first in-person meeting. The PSI exam exploits that nuance in scenario questions. Let's look at what the law actually requires.

Pennsylvania requires the Consumer Notice at the "initial interview," but allows a prior oral disclosure to delay the written notice until the first meeting, the exam exploits this two-track timing rule.

The PSI exam will present scenarios where oral disclosure occurred before the meeting. Know which track applies, whether the delay is permitted, and what form of acknowledgment the Consumer Notice requires from the recipient. I don't want you guessing on this one. Know it cold.

Transaction Brokerage

Pennsylvania's transaction licensee role eliminates the duty of loyalty but creates three explicit prohibitions that the RECP exam tests by name. Candidates who only studied general transaction brokerage concepts can't identify all three correctly.

A transaction licensee has no duty of loyalty but is prohibited from revealing three specific things: that the seller will accept less, the buyer will pay more, or either will agree to different financing, the exam tests all three by name.

Know all three prohibited disclosures by name, understand that the prohibition applies even when both parties consent to transaction brokerage, and be able to identify which duties remain intact for a transaction licensee. The exam tests all of these dimensions. This is the kind of detail the exam loves, and most prep courses skip.

Cemetery Brokerage Rules

Pennsylvania maintains a separate cemetery broker license category, a requirement that exists in no other state, and the RECP exam tests it because candidates universally assume cemetery sales fall under the standard real estate license.

Cemetery brokerage regulation is one of Pennsylvania's most unusual licensing requirements. Maryland does not separately license cemetery brokers, and Ohio treats cemetery sales under general real estate licensing. Only Pennsylvania requires a separate cemetery broker license, a rule tested on the state portion of the exam.

Pennsylvania has a separate cemetery broker and cemetery salesperson license category, cemetery brokers must pass the standard exam while cemetery salespersons have no exam requirement at all, a distinction that baffles candidates.

The exam tests the distinction between cemetery broker and cemetery salesperson, why only the broker requires a separate exam, and what activities require each license type. Know both license categories and the exam requirement difference between them. If you miss this question, it's not because the exam is unfair. It's because your prep materials were lazy.