RIBO override and commission disclosure proof at quote time

Answers are general operational information only — not legal, tax, regulatory, clinical, privacy, immigration, or professional advice. Requirements vary by matter, client, and regulator.

Frequently asked questions

When must commission disclosures happen?

Per RIBO mandatory-disclosures guidance: as soon as possible, before the client agrees to purchase, and no later than the time of quote (and on renewals when new conflicts arise). Post-bind-only documentation is weak if a complaint or spot check asks what the client knew at quote.

What counts as proof?

RIBO points to client-file records such as notes, emails, BMS entries, and/or audio recordings that show disclosures were made, plus written confirmation drawn to the client’s attention. Signed acknowledgements help when your brokerage uses them — follow principal-broker forms.

Do override arrangements need separate documentation?

RIBO FAQs and the Commission Disclosure Protocol treat overrides alongside other compensation structures that must be disclosed. Reg. 991 also restricts accepting fees whose basis was not fully disclosed before the service. File what your brokerage disclosed about how it is compensated for that placement.

Can document collection software replace RIBO compliance?

No. Software organizes records on the client file. Your brokerage still sets disclosure scripts, Commission Disclosure statements, and principal oversight.

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