I thought the seller and buyers broker split the commission.When I obtained by broker license in 1979 all commission were 6%, and the NAR did not bother denying that this was a “set”, i.e.

Quote from @Denis Ponder: I am doing what @Michael Dumler stated. 

If your seller files bankruptcy after the sale and the Trustee believes the sale was fraudulent because it was for below market value and seeks to set the sale aside, I think the title insurer might deny coverage. 

However, under the "Disparate Impact" legal theory, fair housing issues arise when denying persons with a criminal record involving non-serious offenses and offenses that are remote in time. 

You don’t want them denying a claim because you were trying to save a few bucks. 

The guest can then accept or deny request.

PNC Bank denied me for a HELOC on my 2nd home because my tax return shows I also make income on it.

If an insurance company finds out that a claim is linked to an unpermitted conversion, they can deny the whole thing.

I don’t know what Minnesota has for a definition of “substantive” contact, but I bet there’s a disclosure form for denying an agency relationship when one is vetting a potential buyer who wants to see a property.

You are exempt from the "source of income" protection though, which means you are allowed to deny an application just because they have a housing choice voucher, which would not be the case if you owned more than 4 units.