An agent failed to give an owner a copy of the agency disclosure form at the time the residential listing was taken. The MOST likely consequence for the agent will be

A. a fine or prison, or both.
B. inability to collect a commission should a sale be made.
C. automatic revocation of the agent's license.
D. no action because disclosure is required only upon sale.

Answer: B. inability to collect a commission should a sale be made.