The NAR Settlement Tools Real Estate Pros Use to Stay Compliant in 2026

PrimaCoda is the AI workflow built for the post-settlement world: buyer representation agreements, commission disclosure tracking, deadline gates, and an audit trail your broker actually wants to read. From $99/month.

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What changed — and what you now have to track on every deal

The NAR settlement rewrote the buyer-side playbook. Compensation no longer flows automatically through MLS. Buyer agents need a signed Buyer Representation Agreement (BBA) on file before the first showing, and every dollar of compensation has to be sourced and documented in writing.

Brokers carry the compliance burden. If a transaction closes without the right paper trail, the inquiry lands on the broker's desk — not the agent's.

The new buyer-side compliance checklist

  • Signed Buyer Representation Agreement (BBA) on file before any property tour Must include compensation amount, source, expiration. Pre-tour timestamp matters.
  • Compensation source documented in writing — seller-paid, buyer-paid, or split If split, the percentages and parties are explicit and dated.
  • Commission disclosure delivered at the right milestone Pre-offer for the buyer; pre-acceptance for the seller; both retained.
  • BBA renewal or extension if the agreement expires before closing An expired BBA mid-deal is a compliance gap. Track the expiration like a deadline, not a side note.
  • Audit trail showing each step happened in the right order Timestamp, IP, user-agent for every document view, edit, and signature.

Why PrimaCoda is built for this — three things that matter most

BBA

BBA as structured data, not a PDF in a folder

Upload the signed BBA. AI extracts the buyer's identity, compensation amount, source, and expiration. Those fields become required gates for the rest of the deal.

Workflow gates that block non-compliant advances

The transaction won't advance to "under contract" until a non-expired BBA is on file with verified compensation source. Your broker's audit ends in 30 seconds, not 30 minutes.

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Per-transaction audit trail, ready to export

Every document view, edit, and signature carries a timestamp, IP address, and user-agent. Export the trail as CSV or JSON for any broker review or state-board inquiry.

PrimaCoda vs. the old transaction software, post-settlement

CapabilityPrimaCodaSkySlope / DotloopManual / Email + Drive
Upload BBA → AI extracts compensation terms
Block transaction advance if BBA missing or expired
Compensation source field as a structured, searchable column
Per-document audit trail (timestamp, IP, user-agent)Partial
BBA expiration tracked like a deadline
AI chat: "Is the BBA on file?" "What's the compensation source?"
State-aware timelines (MO, KS, IL, TX, CA, FL)Manual
Starting price$99/mo$179/mo$0 (your time isn't free)

Comparison reflects publicly available feature documentation as of 2026-04. We don't claim parity on every feature SkySlope or Dotloop offers — we claim the BBA-and-compliance flow above is materially better.

How a deal runs on PrimaCoda, step by step

  1. Buyer signs the BBA. You drag the signed PDF into PrimaCoda. AI parses out the buyer's name, the agency relationship, the compensation amount, the source (seller-paid / buyer-paid / split), and the expiration date.
  2. Showing tour begins. The system has already verified the BBA is on file and not expired. Your broker compliance is satisfied at this checkpoint, with the timestamp on record.
  3. Offer is written. AI extracts terms from the contract, cross-references the BBA's compensation source, and flags any mismatch (e.g., contract says seller-paid but BBA says buyer-paid).
  4. Under contract. 108 deadlines auto-generate. State-specific timelines applied (MO inspection 10 biz days; TX option period 10 cal days; etc.).
  5. Closing day. Audit log is one click away. Broker reviews and signs off in minutes.
  6. Post-closing. Disclosure documents retained in the transaction record with full provenance. Searchable for state-board inquiry years later.

Simple, transparent pricing

No per-transaction fees. No setup. Cancel anytime in the portal.

Starter

$99/mo

5 transactions/month. Solo agents.

Business

$299/mo

Unlimited. Teams & brokerages.

Founding Member Promo: First 100 members get 50% off for 3 months — Starter $49.50, Professional $99.50, Business $149.50.

Frequently asked questions

What changed under the NAR settlement?

Buyer-side compensation is no longer advertised on MLS. Buyer agents must have a signed Buyer Representation Agreement before showing properties. Compensation conversations are documented in writing, and brokers are responsible for the compliance trail.

Will this satisfy a broker compliance audit?

The platform produces a per-transaction audit log with timestamps, IP addresses, and user-agent strings for every document touch — exportable as CSV or JSON. We do not claim SOC 2 certification (it's in progress, not certified). What we deliver today is a structured, queryable, time-stamped record that's defensible in a state-board inquiry.

How is this different from a SkySlope BBA folder?

SkySlope stores the BBA as a file. PrimaCoda treats the BBA as structured data — compensation terms become required fields that gate the rest of the workflow. An expired BBA is a deadline, not a forgotten attachment.

Can my brokerage roll out PrimaCoda to all our agents?

Yes. The Business plan ($299/mo) is unlimited transactions with team collaboration and role-based access. We can onboard a 20-agent team in an afternoon — most of the work is bulk-importing existing BBAs via our AI ingest.

Do you handle non-buyer-side deals (listing-only, dual agency)?

Yes. Listing-side workflows include the seller representation agreement, commission disclosure to the seller pre-acceptance, and the same audit trail. Dual-agency deals carry both BBA and listing agreement plus the dual-representation disclosure with explicit consent timestamps.

What states are fully supported?

State-specific timelines and required-checkpoint adjustments are wired for MO, KS, IL, TX, CA, FL today. Other states use the default 108-checkpoint timeline with manual override available. We add state coverage based on customer demand — request a state via support.

Stop losing sleep over the compliance trail

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