# Dual agency > When one agent or one brokerage represents both the buyer and the seller in the same sale. Some states ban it; where it’s allowed, both sides must give informed written consent, and the agent can’t fully advocate for either one. Also called: dual representation, disclosed dual agency, double-ending. Topic: Contracts, agents and the MLS. It usually happens when a buyer calls the [listing agent](https://brokerandagent.com/glossary#listing-agent) directly, or when two agents at the same brokerage end up on opposite sides of a deal. Because no one can fully advocate for both sides, the law treats it carefully: some states ban it, and others require informed, written consent from the buyer and the seller. ## How does dual agency work? There are two common versions. In the first, one agent represents both the buyer and the seller. In the second, two agents at the same brokerage each work with one side, but because both clients belong to that brokerage, the brokerage itself is a dual agent. Some states handle the second version through [designated agency](https://brokerandagent.com/glossary#designated-agency), where the broker assigns a separate agent to each side. Texas, for example, lets a brokerage act as an intermediary and appoint a different license holder to work with each party, but only with both parties’ written consent. Where dual agency is allowed, the agent must tell both sides and get their consent before acting for both. The NAR Code of Ethics also requires full disclosure and the informed consent of both parties. ## What do you give up with a dual agent? Advocacy. An agent with [fiduciary duties](https://brokerandagent.com/glossary#fiduciary-duties) owes loyalty to one client, so a dual agent has to stay neutral on what matters most. They can’t tell the seller how high the buyer will go, or tell the buyer how low the seller will accept, without permission. They also can’t push for one side in a negotiation. What usually remains is honesty, fair dealing, confidentiality and help with paperwork and deadlines. The exact list depends on your state and the consent form you sign. Some people like the single point of contact. Some buyers also hope a dual agent will lower the [commission](https://brokerandagent.com/glossary/real-estate-commission). That’s negotiable, but not automatic. ## Is dual agency legal in every state? No. Florida law, for example, says a licensee may not act as a disclosed or nondisclosed dual agent. Licensees there are presumed to be [transaction brokers](https://brokerandagent.com/glossary#transaction-broker) unless another relationship is set in writing. Other states allow dual agency with written consent, and some use different names for similar roles. Your state’s [agency disclosure](https://brokerandagent.com/glossary#agency-disclosure) form lays out the relationships allowed where you live. Read it before you share your budget, timeline or bottom line with anyone. ## Should you agree to dual agency? It depends on how much negotiating help you want. If the deal is simple and both sides already agree on price and terms, a neutral agent may be fine. If you expect hard negotiation, a home with known issues or several competing offers, your own agent is safer. You can also say no. If you’re a buyer talking to the listing agent, ask to be referred to a separate [buyer’s agent](https://brokerandagent.com/glossary#buyers-agent). If you’re a seller, your [listing agreement](https://brokerandagent.com/glossary/listing-agreement) should say whether you’ve agreed to dual agency in advance. For questions about your state’s rules, ask your state real estate commission or a real estate attorney. ## Common mistakes - Thinking a dual agent can quietly favor you. They owe the same limited duties to both sides. - Assuming dual agency is allowed everywhere. Some states, including Florida, prohibit it. - Signing a consent form without reading what the agent can and can’t share. - Believing dual agency always means a lower fee. The fee is negotiable either way. ## Questions ### Is dual agency bad for buyers? Not always, but you lose an advocate. A dual agent can’t negotiate for you against the seller, so it works best when the terms are simple and both sides already largely agree. ### What is the difference between dual agency and designated agency? In dual agency, one agent or brokerage represents both sides without advocating for either. In designated agency, the brokerage assigns a separate agent to each side, and each one works for their own client. ### Can I refuse dual agency? Yes. Where it’s allowed, it requires your consent, and you can ask to work with a different agent instead. ### Does an agent have to tell me they’re a dual agent? Yes. Where it’s allowed, the agent must disclose it and get informed consent from both the buyer and the seller, and the NAR Code of Ethics requires the same of every [Realtor](https://brokerandagent.com/glossary#realtor). ## Related terms - [Designated agency](https://brokerandagent.com/glossary#designated-agency): An arrangement where one brokerage has both the buyer and the seller as clients, and the broker assigns a different agent to represent each side. It’s allowed only in some states, and the details and names vary. - [Transaction broker](https://brokerandagent.com/glossary#transaction-broker): A licensee who helps a buyer, a seller or both complete a sale without acting as either party’s advocate. They owe limited duties such as honesty, care and accounting for money. Only some states use this role, and rules vary. - [Agency disclosure](https://brokerandagent.com/glossary#agency-disclosure): A written notice that explains the kinds of relationships you can have with a real estate agent, whom the agent represents and what duties they owe you. State law sets the form and when you get it, usually early on. - [Fiduciary duties](https://brokerandagent.com/glossary#fiduciary-duties): The legal duties an agent owes the client they represent, commonly listed as obedience, loyalty, disclosure, confidentiality, accounting and reasonable care. State law sets the exact list, and some roles carry fewer duties. - [Buyer’s agent](https://brokerandagent.com/glossary#buyers-agent): The agent who represents the buyer in a home purchase: finding homes, arranging tours, writing and negotiating the offer, and guiding the deal to closing. Their pay and duties are set in a written agreement with the buyer. - [Listing agent](https://brokerandagent.com/glossary#listing-agent): The agent who represents the seller: pricing the home, marketing it, putting it in the MLS, handling showings and offers, and negotiating for the seller through closing. Their duties and pay are set in the listing agreement. ## Sources - [Florida Statutes § 475.278: Authorized brokerage relationships](https://www.flsenate.gov/Laws/Statutes/2024/475.278) - [Texas Real Estate Commission: Information About Brokerage Services](https://www.trec.texas.gov/forms/information-about-brokerage-services) - [NAR: Code of Ethics and Standards of Practice](https://www.nar.realtor/about-nar/governing-documents/code-of-ethics) Checked 2026-10-02 by the Broker & Agent team. General information, not legal, tax or lending advice. Source: https://brokerandagent.com/glossary/dual-agency