Missouri wholesaling law · checked October 21, 2026
The short answer — Missouri
Yes — but start two weeks early. Missouri gives you the longest fuse in America: a separate, bold, signed disclosure at least 14 calendar days before the contract, or there is no binding contract at all. Guides that say '14 days before closing' are wrong — it is before the contract.
Rule: Mo. Rev. Stat. § 407.3600 (2026 SB 973, under the Merchandising Practices Act) · In force: August 28, 2026 · Penalty if ignored: If the disclosure is not made, the owner may cancel any time before close of escrow and earnest money goes to the owner within 30 days. A violation is an unlawful practice under the Merchandising Practices Act, with a private right of action and Attorney General enforcement.
Checked October 21, 2026 against the official source: revisor.mo.gov. Information only — not legal advice.
Missouri set the longest lead time in the country. At least 14 calendar days before entering a contract transferring an interest in 1–4 unit residential property, the wholesaler (as grantee) must give the record owner a separate written disclosure, at least 12-point bold, carrying the statutory text: the wholesaler does not represent the owner, may assign without consent, may charge the end buyer a fee, and the price may be below market. Both sides sign and date it, and no binding contract exists until it is signed. The law covers assignments and novations, as grantee or as grantor without title, and excludes relatives to the third degree and affiliates. It is frequently misreported as '14 days before closing' — the statute says before the contract.
No. Missouri asks for written disclosure, not a license. Yes — but start two weeks early. Missouri gives you the longest fuse in America: a separate, bold, signed disclosure at least 14 calendar days before the contract, or there is no binding contract at all. Guides that say '14 days before closing' are wrong — it is before the contract.
Missouri covers assignments and novations, whether you act as grantee or as grantor without title.
Scope: 1–4 unit residential property; assignments and novations. Cancellation: Cancel any time before close of escrow if the disclosure was not made. Source: official text / regulator page.
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