COMBINED-Code of Ethics and Advisory Opinions 02132024

24 The Committee further intends, in appropriate circumstances and based in part upon the responses of such Lead Generation Providers to its inquiries, to refer such Lead Generation Providers, whether or not NRMLA Members, to appropriate licensing and regulatory authorities. The Committee also intends, in appropriate circumstances and as permitted under its Policies and Procedures, to make public its determinations and actions with respect to Lead Generation Providers, particularly in circumstances involving NRMLA Members providing Lead Generation services determined by the Committee to also violate other provisions of the NRMLA Code of Ethics including but not limited to those described in Ethics Advisory Opinion 2008-1 (Ethical Advertising). Indirect NRMLA Code of Ethics Violations. NRMLA Members may not engage in conduct violative of the NRMLA Code of Ethics, including but not limited to providing Lead Generation services, either directly or indirectly through Lead Generation Providers that do not themselves comply with the provisions of law and of the NRMLA Code of Ethics applicable to them. Conclusion. Lead generation services provided in a manner that does not comply with applicable law and, with respect to NRMLA Members, provisions of the NRMLA Code of Conduct and its Ethics Advisory Opinions, are inconsistent with the Values of our industry and the interests of the seniors they serve. Those engaged in such conduct have no place in NRMLA. NRMLA Members, consumers, and others are urged to bring to the attention of NRMLA's President and the Committee concerns they may have about potential unethical lead generation services, for consideration and action by President and Committee in accordance with the Policies and Procedures described in the NRMLA Code of Ethics and in this Ethics Advisory Opinion. Contact information for NRMLA may be found at its website at www.NRMLAOnline.com.

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