Final answer:
A real estate broker must give a customer an agency disclosure pamphlet at the time of the first substantive contact.
Step-by-step explanation:
A real estate broker must give a customer an agency disclosure pamphlet at the time of the first substantive contact, or at the time of first showing or open house, whichever comes first.
For example, if a customer contacts a broker to inquire about a property or schedule a showing, the broker must provide the agency disclosure pamphlet at that time.
This requirement ensures that customers are fully informed about the broker's role and responsibilities in the real estate transaction.