Real Estate AI Agents

RECO AI guidance checklist for Ontario realtors

By AgentPlaybook Real Estate · Updated October 24, 2026 · Sources checked October 24, 2026

RECO has published guidance on how Ontario brokerages and agents should use AI. Its core message: "The use of AI does not diminish or replace a registrant's legal, regulatory, professional, or ethical obligations." This page turns the guidance into a printable checklist. Read the original: RECO Guidance: Use of Artificial Intelligence.

Summary checked October 24, 2026. This is a plain-language summary, not legal advice and not affiliated with RECO; where it differs from RECO's text, RECO's text wins.

1. Your obligations don't change

I verify every AI output before relying on it or sharing it.RECO: outputs can contain errors, outdated market information or false data (conscientious and competent service).
I don't put personal, financial or confidential client or transaction data into public AI platforms.RECO: confidentiality and data privacy.
AI-written posts, descriptions and enhanced visuals meet TRESA advertising rules, including brokerage identification.RECO: clear and truthful advertising.
AI is support only; I don't hand professional judgment to it.

2. Before you use an AI tool

RECO recommends checking five factors, and reviewing them regularly because terms change (including new AI features added to your board or CRM tools):

Data privacy: where data is stored, whether it trains the AI, how to opt out.
Security: encryption, limited data access, a breach notification policy.
Real estate fit: RECO says general AI carries higher risks than tools built for real estate.
Vendor accountability: the company is open about sources and stands behind accuracy.
Brokerage approval: the tool fits company policy and has Broker of Record approval.

3. AI in practice: what RECO says you must do

Verify listing details against property documents and physical facts before publishing.Check public copy with the free fair housing listing checker.
Virtual staging and AI edits reflect permanent features; altered images are clearly labelled.See virtual staging disclosure.
Get explicit, written client consent before entering personal details or contract terms into AI platforms.
Give advice from your own expertise; don't delegate advice to AI.
Create original marketing, or get explicit permission before adapting material from other brokerages.

4. For brokerages

A written AI policy.RECO: brokerages should establish clear internal policies, training and an approved tool list.
Training for every agent and assistant.
An approved tool list, signed off by the Broker of Record, reviewed when terms change.
A written-consent wording agents can use before client data goes into an approved tool.
Ask vendors (CRM, board tools) whether AI has been added.

Free prompt: a consent-safe AI policy draft

Brokerage AI policy draftFree. Copy it, fill the [brackets].

Draft a one-page AI use policy for an Ontario real estate brokerage, for our Broker of Record to review and edit.
Base it on RECO's AI guidance: AI is support only; registrants verify every output; no personal, financial or confidential client or transaction data in public AI platforms; written client consent before personal details or contract terms go into any approved AI tool; TRESA advertising rules including brokerage identification; virtual staging reflects permanent features and altered images are labelled; no advice delegated to AI; original marketing only.
Include: an approved-tools table (tool, approved uses, data allowed, reviewed on), a consent sentence for clients, a training requirement and a review date. Leave [BROKERAGE NAME] and [BROKER OF RECORD] placeholders. Mark it DRAFT, not legal advice.

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Laws RECO points to

Trust in Real Estate Services Act, 2002 (TRESA): RECO lists sections 26 (duty of brokerage), 34 (falsifying information), 35 (furnishing false information) and 37 (false advertising).
Code of Ethics, O. Reg. 365/22: RECO lists sections 5 (misrepresentation), 8 (best interests) and 12 (confidentiality).
Toronto members: see also TRREB's AI do's and don'ts. National: CREA AI principles.
Privacy: PIPEDA and the Privacy Commissioner on AI.
Human rights in ads and rentals: Ontario Human Rights Code.

More for Ontario and Canadian agents: AI for realtors in Canada.

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For Ontario real estate agents and brokers: a buyer representation agreement prep sheet, a closing cost estimate with Ontario and Toronto land transfer tax, a self-represented party checklist, an advertising and AI-content check against RECO's rules, a competing-offers direction plan, a multiple representation checklist, an AI-use consent and tool check following RECO's October 2026 guidance, Ontario Standard Lease prep, and a client file disclosure log. Every rule cites its RECO bulletin or statute.

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FAQ

Does RECO allow agents to use AI?

Yes, as support. RECO says AI doesn't diminish or replace your obligations, and you remain accountable for everything AI helps produce.

Do I need client consent to use AI?

RECO says to get explicit, written consent before entering any personal details or contract terms into AI platforms.

Do I have to label virtually staged photos in Ontario?

RECO says virtual staging or AI modifications must accurately reflect permanent features and digitally altered images should be clearly labelled.

Can I use ChatGPT for listings in Ontario?

RECO recommends brokerage approval and vetting any tool, and says not to enter personal, financial or confidential client data into public AI platforms. Verify every fact before publishing.

Is this page from RECO?

No. It is an independent plain-language checklist linking to RECO's guidance. RECO's own text is what counts.

Related real estate pages

AI for realtors in CanadaCREA, RECO, CASL and PIPEDA basics Virtual staging disclosure (AB 723)California's 2026 rule, plain English AI for teams and brokersAI policy, approved tools, training AI tools for real estate agentsWhat to use for each job, free first Fair housing words to avoidRisky phrases and safer swaps AI lead follow-up (ISAs)Speed to lead, cadence and consent

AI drafts, you verify. You're responsible for facts and fair housing compliance. Not legal advice: check your brokerage, MLS, regulator and a lawyer for your market.