The term does not include --(A) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor;(B) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts;(C) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties;(D) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt;(E) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors; and(F) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity (i) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement; (ii) concerns a debt which was originated by such person; (iii) concerns a debt which was not in default at the time it was obtained by such person; or (iv) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor.(7) The term "location information" means a consumer's place of abode and his telephone number at such place, or his place of employment.(8) The term "State" means any State, territory, or possession of the United States, the District of Columbia, the Commonwealth of Puerto Rico, or any political subdivision of any of the foregoing.15 USC 1692b

And you're saying that someone who is not affiliated with a specific brokerage can get access to the MLS just by being a member of NAR?

Josh, you should form some kind of affiliate relationship with the guys that make this App.

We are not affiliated with them, nor do we receive any compensation from them.

Why say, "I'm not affiliated with any party," when clearly you are?

Here's how it works in Oregon so may or may not apply where you're at ...there's public access which basically gives you ability to view current active listings and then there's realtor access (much more comprehensive ... ability to view actives, pendings, solds, expireds, tax info, pricing history, do detailed searches, etc)... this access requires a real estate license and paying dues ... best bet if you want access and don't want to pay to get your license and all the affiliated ongoing dues, become friends with a real estate agent ...

Because I am an active broker, I cannot recommend an escrow company as those I usually work with are affiliated with my company. 

If you are ever in Charlotte, please look up our Affiliate REIA there called the Outback! 

In general if you want to invest own or manage your own portfolio of properties,  AND you need W2 income an option is going to work for a large national affiliate real estate agency.

They will be able to guide you through the process of gaining an actual merchantable and insurable title and not the title insurance company that Civic source is affiliated with.