A mortgage agent is arranging a private mortgage for her client, and the agent's brother will be the lender. Which of the following statements best describes this scenario?

Select one:

a$.$ This is a potential conflict of interest, and this mortgage cannot be done

b$.$ This is not a potential conflict of interest as long as it is disclosed to the borrower

c$.$ This is not a potential conflict of interest because the lender is related to the mortgage agent

d$.$ This is a potential conflict of interest and must be disclosed to the borrower