# AI Risk & Guardrail Memo for Real Estate Brokerages

Prepared for: Brokerage AI Velocity sample  
Prepared by: Brokerage AI Velocity  
Month: Sample

## Important note

This memo is educational and operational. It is not legal advice, compliance certification, fair housing certification, or a guarantee that any AI output is compliant.

Agents and brokerages remain responsible for reviewing, verifying, approving, publishing, and using all AI-assisted outputs.

**Risk reduction, not risk transfer.**

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## 1. Why this matters

Agents are using AI for:

- Listing descriptions.
- Social media.
- Email drafts.
- Open house follow-up.
- Market updates.
- Buyer/seller education.
- Client communication.
- Content repurposing.
- Objection handling.
- Business planning.

The issue is not that agents use AI.

The issue is that many agents use AI without a consistent review process.

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## 2. Three-part AI use map

### Generally useful with human review

- Brainstorming.
- Drafting emails.
- Drafting captions.
- Simplifying explanations.
- Creating checklists.
- Repurposing content.
- Roleplaying conversations.
- Organizing notes.

### Requires heightened review

- Listing descriptions.
- Market updates.
- CMA explanations.
- Client-facing pricing language.
- Advertising copy.
- Local/neighborhood descriptions.
- Buyer/seller advice.
- Negotiation language.
- Anything referencing laws, contracts, schools, safety, demographics, financing, taxes, zoning, HOA, or property condition.

### Do not rely on AI as authority

- Legal interpretation.
- Contract drafting.
- Final valuation decisions.
- Fair housing compliance decisions.
- Tax advice.
- Financial advice.
- MLS rule interpretation.
- State licensing advice.
- Confidential client strategy.
- Private client financial data entered into public tools.

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## 3. Agent rule of thumb

Use AI to:

- Draft.
- Brainstorm.
- Organize.
- Rewrite.
- Simplify.
- Roleplay.
- Create checklists.

Do not use AI to:

- Verify facts.
- Replace professional judgment.
- Make legal conclusions.
- Determine compliance.
- Handle confidential client information without an approved process.
- Publish without review.

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## 4. Required review checklist

Before using AI output publicly or with a client, check:

- Did AI invent any property facts?
- Are all numbers verified?
- Are all market stats sourced and current?
- Does the copy include fair housing-sensitive language?
- Does the copy imply steering?
- Does the copy mention schools, demographics, safety, crime, religion, family status, disability, or protected-class proxies?
- Are property features verified?
- Are square footage, acreage, zoning, HOA, taxes, and restrictions verified?
- Does this create a promise the agent cannot support?
- Would the broker be comfortable if this were screenshotted?
- Is confidential client data included?
- Does the agent understand and accept responsibility for the final output?

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## 5. Broker talking points

Use these in office meetings:

> AI can help you move faster, but it does not remove your responsibility as a licensed professional.

> If AI helps you write something, you still own the output.

> Use AI for drafts, ideas, organization, and roleplay. Do not use it as a substitute for verification, judgment, or compliance review.

> Speed without review creates risk.

> A checker is not a shield. You are still responsible for what you publish or send.

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## 6. Suggested office policy language

> Agents may use AI tools to draft and brainstorm business, marketing, and communication materials. Agents must review all AI-assisted outputs before use. AI outputs must be checked for factual accuracy, fair housing-sensitive language, advertising compliance, confidentiality, and professional judgment. AI tools may not be relied upon as legal, compliance, valuation, tax, financial, or licensing authority.

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## 7. Monthly action item

This month, choose one:

- Add AI review language to office standards.
- Require human review before publishing AI-assisted listing copy.
- Create a list of approved AI use cases.
- Create a list of prohibited AI use cases.
- Train agents on fact-checking AI outputs.
- Add fair housing-sensitive language review to marketing workflow.
- Create a client-data rule for AI tools.
- Create a process for submitting AI questions to broker/trainer.

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## 8. Final reminder

AI is a tool.

The professional remains responsible.