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New Law AB 723 – Disclosure Required for Digitally Altered Property Images & FAQ

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Effective January 1, 2026, California Assembly Bill 723 requires real estate professionals to clearly disclose when images used in advertising or listings have been digitally altered and to provide access to the original, unaltered images when those altered images are made public.

Two new sections will be added to the CCAR MLS Rules and Regulations Effective Jan. 1. 2026

  • 11.5.1 Definition of Digitally Altered Images – Defines digitally altered images as provided under California law.
  • 11.5.2 Digitally Altered Images – Explains how digitally altered images must be treated when inputted in the MLS.

How Does this Affect Photograph Requirements in the MLS?
To support compliance with California’s new law regarding digitally altered property images (AB 723), CCAR will be implementing a standardized approach within the MLS.

Going forward, when a digitally altered image is used in a listing:

  • The digitally altered image must be displayed first,
  • The original, unaltered image must immediately follow, and
  • The altered image must include a photo label clearly disclosing that the image has been digitally altered.

To add a photo label within the MLS, please follow the instructions below:

  • Go to ‘Maintain Listing’;
  • Go to the ‘Add/Edit Pictures’ module;
  • Add listing photos and select ‘Add Label’ for the digitally altered images;
  • Type into the ‘Label’ field that the photo is digitally altered (i.e. “altered,” “digitally altered,” “AI altered,” or some accurate substantially similar term).

This approach allows the MLS to clearly present both versions of the image while maintaining transparency for consumers and consistency for Participants and Subscribers.

FREQUENTLY ASKED QUESTIONS

Q: What is a digitally altered image?
A: As a threshold matter, it is important to understand what is considered a digitally altered image under the new law. AB 723 defines “digitally altered image” as:

  • an image, created by or at the direction of the real estate broker or salesperson, or person acting on their behalf
  • that has been altered through the use of photo editing software or artificial intelligence
  • to add, remove, or change elements in the image, including, but not limited to, fixtures, furniture, appliances, flooring, walls, paint color, hardscape, landscape, façade, floor plans, and elements outside of, or visible from, the property, including, but not limited to, streetlights, utility poles, views through windows, and neighboring properties.

While AB 723’s definition of “digitally altered image” seems to mostly target items that are part of the property (e.g., fixtures) or features of the property (e.g., views through windows), real estate licensees should take note that the definition also includes furniture. This means that if a real estate licensee uses virtual staging to add, remove, or change furniture in the property, they will need to disclose that the images have been digitally altered.

Q: How do I disclose digitally altered images in the MLS?
A:

  • Go to ‘Maintain Listing’;
  • Go to the ‘Add/Edit Pictures’ module;
  • Add listing photos and select ‘Add Label’ for the digitally altered images;
  • Type into the ‘Label’ field that the photo is digitally altered (i.e. “altered,” “digitally altered,” “AI altered,” or some accurate substantially similar term).

Q: Do I need to upload both edited and unedited versions of a photo?
A: Yes. Ensure that the original, unaltered version is displayed immediately after the digitally altered image.

Q: Does this apply to listings entered before January 1, 2026?
A: Participants and Subscribers are encouraged to review current listings in the Active, Pending, and Hold statuses and make add necessary photo labels to disclose digitally altered images.

Q: What is NOT a digitally altered image?
A: Specifically excluded from the definition of “digitally altered images” are images “where only lighting, sharpening, white balance, color correction, angle, straightening, cropping, exposure, or other common photo editing adjustments are made that the not change the representation of the real property.”

Q: Does AB 723 apply to leases?
A: Yes, but only if the lease exceeds one year’s duration.

Q: Is virtual staging allowed?
A: Yes. Virtual staging is allowed, but virtually staged photos must be clearly labeled, and the unedited version must immediately follow each virtually staged photo.

Q: Who is responsible for compliance, the agent or the photographer?
A: The listing agent and broker are responsible for ensuring all listing content complies with MLS rules, regardless of who created or edited the photos.

Weekly Jolt – 020326

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CONTRA COSTA ASSOCIATION OF REALTORS®
WEEKLY NEWSLETTER    |    FEBRUARY 3, 2026
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Top News

•  CCAR Welcomes 2026 Leadership
•  Save $25 on CCAR’s Annual Crab Feed – Mar 6
•  CCAR Helping Hands Bingo Night! – Feb 25
•  West County Marketing Meeting – This Thu
•  Partition Law: How to Sell Property when Co-Owners
   Disagree – Feb 25

MLS Updates

•  FAQ: New Law AB 723 – Disclosure Required for Digitally
   Altered Property Images

•  MLS Updates Coming Next Week – Feb 10
•  REALTOR® Optimized Laptops For Sale
LAPTOP DOC

Upcoming Education

RealReports: Secrets from the Pros
Wed, Feb 4  |  10:00am – 11:00am

Paragon Connect: Reverse Prospecting
Wed, Feb 4  |  11:00am – 11:30am

RealScout Pro+ Basic Training
Thu, Feb 5  |  2:00pm – 3:00pm

Transactions: Intro to zipForm with CCAR
Thu, Feb 5  |  2:00pm – 4:00pm

C.A.R. Townhall for Brokers/Managers
Fri, Feb 6  |  11:00am – 12:00pm

Realtor.com Profile Mastery

Mon, Feb.  9  |  8:00am – 9:00am

CMA: RPR’s CMA Secrets Unlocked
Tue, Feb. 10  |  9:00am – 10:30am

RPA Bloopers – Part I
Tue, Feb. 10  |  1:30pm – 2:30pm

Supra eKEY® Basic & Professional
Wed, Feb. 11  |  8:00am – 9:00am

CA’s Housing Market: Navigating Rates, Demand & Change
Wed, Feb. 11  10:00am – 11:15am

No Surprises for Tax Time: Accounting & Tax Prep
Wed, Feb. 11  |  1:00pm – 2:00pm

Transact: e-Signature Advanced
Thu, Feb. 12  |  11:00am – 11:33am

MLS: Intro to Paragon MLS with CCAR
Thu, Feb. 12  |  2:00pm – 4:00pm

Transact: e-Signatures
Fri, Feb. 13  |  7:00am – 7:30am

DRE License Renewal Crash Course
Fri, Feb. 13  |  9:30am – 12:30pm

OnlineEd Offers CA Salespersons
A Fast Track to Becoming Brokers

California Salespersons now have a new path to becoming Brokers with OnlineEd’s fully interactive, online courses. These textbook-free courses are designed to be mobile-friendly and comprehensive, offering a convenient way to advance to a Broker Licensee.
REGISTER NOW >>

 Online Continuing Education

Visit the CCAR Calendar to view/register for additional online training opportunities.

REALTOR® ACTION FUND (RAF)

The RAF supports political activities at the local, state, and national levels. It gives REALTORS® the financial resources needed to advocate for policies which protect property rights and REALTORS®​ ability to effectively conduct their business.

 






Contribute Today >>

+ CCAR CALENDAR

West County Marketing Meeting & Breakfast –
This Thursday!

You’re invited to attend the CCAR West Marketing Meeting this Thu, Feb. 5, from 8:45–10:00am, held at 500 Alfred Nobel Drive, Suite 265 in Hercules.

This meeting will feature guest speaker Leonard Spoto of Asset Exchange Company, who will present “Problems and Pitfalls” that can cause a 1031 Exchange to fail—and practical strategies for avoiding them.

Attendees will enjoy a complimentary breakfast featuring bagels from Noah’s Bakery, along with fresh fruit and beverages. This is a great opportunity to learn something new, connect with industry peers, share upcoming listings, and enjoy a productive morning together.

Affiliates interested in donating a modest gift for the end-of-meeting drawing and promoting their business are encouraged to contact Steve Kendall for details.

Partition Law: How to Sell Property When
Co-Owners Disagree – Feb 25

This class will take place on Tue, Feb. 25, at 10:00am via Zoom and explores the partition action process, a legal remedy that can force the sale of real property when one co-owner wants to sell and another refuses. While often misunderstood or overlooked, partition law has significant relevance in today’s residential and commercial real estate market and can open the door to opportunities many agents don’t know how to handle.

Partition actions do not involve lot splits. Instead, they provide solutions for situations involving siblings, former partners, business associates, or other co-owners who are at an impasse. As co-ownership continues to rise—particularly among unmarried buyers—agents who understand this process can better serve clients who may otherwise be turned away.

This class is designed for real estate sales professionals looking to expand their knowledge, convert challenging leads, and gain a competitive edge.

Registration: Members must register through the CCAR Calendar to receive the Zoom link. A $30 registration fee applies to non-members.

CCAR Calendar >>

CCAR Welcomes 2026 Leadership at Inaugural Celebration

Last Saturday, CCAR hosted its 2026 Inaugural Dinner and Awards Celebration, welcoming members, leaders, and guests. The event marked the installation of the 2026 Board of Directors, led by President John Fondnazio, and celebrated the leadership and service guiding the Association in the year ahead.

This year’s theme, “Imagine,” set the tone for the evening, encouraging attendees to look beyond today’s challenges and focus on what’s possible. The program highlighted CCAR’s shared commitment to professionalism, advocacy, and collaboration in support of REALTORS®, clients, and the communities they serve.

The ceremony also introduced President-Elect Donna Souza, Past President Zina F. Hall, Treasurer Judy Myers, Secretary/CEO Sheiren Diaz, and Directors Valerie Crowell, Brendan Moran, Diane Ramirez, Victor Reyes, Joe Stokley, Cherry Wade, Rolanda Wilson, and Stephen Wondolowski, along with Affiliate Liaison Donna Davis.

Awards Included:
President’s Community Service Award: Cathy Lee Cibelli
Affiliates of the Year: Jennifer Britton & Annette Khaliq
REALTOR® of the Year: Marilyn Cunningham
CCAR Emeritus Award: Debi Mackey

The event was emceed by Mark Ibanez (formerly of KTVU Ch. 2), with 2025 NAR Region 13 Vice President & Past C.A.R. President Otto Catrina officiating. Featured guests included State Senator Tim Grayson, Assemblymember Anamarie Avila Faris, County Supervisors’ Diane Burgis and Ken Carlson, Walnut Creek Mayor Kevin Wilk, other elected official staff, CCAR past presidents, volunteers, affiliates, sponsors, and association staff from across the Bay Area.

View the Photo Album >>

Last Week to Save $25 on CCAR’s Annual Crab Feed – March 6

Enjoy a delicious dinner featuring fresh crab, tri-tip, and pasta, plus a complimentary glass of champagne to kick off the evening. The night also includes music from DJ Stallion, raffle and auction prizes, and the always-popular cake auction.

All tickets must be purchased in advance—no tickets will be sold at the door. Purchase your tickets by Feb. 9 and save $25 with Early Bird pricing!

This crab-tastic feast supports two amazing causes: CCAR Helping Hands and the CCAR Scholarship Foundation, so every bite (and every bid) makes a difference!

PURCHASE TICKETS >>

Read More >>

CCAR Helping Hands Bingo Night: Play, Dine, and Give Back – Feb 25

Get ready for a night of bingo, pizza, and community fun! CCAR Helping Hands is hosting Bingo Night at St. Stephen Church in Walnut Creek on Wed, Feb. 25, from 4–7 PM, and you won’t want to miss it!

For $35, you’ll enjoy a slice of pizza, salad, a drink ticket (beer, wine, or soft drink), and five bingo sheets.

This night isn’t just about bingo and raffle prizes — it’s about coming together, having fun, and supporting the community. So grab your bingo buddies, bring your lucky charm, and join us for a great cause!

PURCHASE TICKETS >>

Read More >>

MLS Updates Coming Next Week – Feb 10

We’re updating the MLS to give you more control when adding your listings. These improvements help create better search results and give your property details the attention they deserve.

  • Directions to Property: Character limit increased from 50 to 70 to allow for clearer, more complete directions.
  • Public Remarks: Character limit increased from 1,000 to 2,500 characters.
  • Listing Photos: Maximum number of photos increased from 60 to 99.
  • Water and Sewer Features: These will now appear as separate feature categories for more accurate data entry and search results.
  • New Selectable Features:
    • “Taxiway Properties” added to X – Lot Description in the Residential class and H – Lot Description in the Lots & Land
    • “Aircraft Hangar” added to N – Garage/Parking in the Residential class

REALTOR Optimized Laptops For Sale

All laptops purchased from CCAR come with a 2-year warranty, data transfer, and RE setup included.
Reminder: Support for Windows 10 ended on Oct. 14, 2025.
  • Lenovo IdeaPad Slim 3 – $850.36 >>
  • LG Gram 17 – Ai Ready – $1,845.36  >>

Online Continuing Education

FAQ: New Law AB 723 – Disclosure Required for
Digitally Altered Property Images

Effective January 1, 2026, California Assembly Bill 723 requires real estate professionals to clearly disclose when images used in advertising or listings have been digitally altered and to provide access to the original, unaltered images when those altered images are made public.

Q: What is a digitally altered image?
A: As a threshold matter, it is important to understand what is considered a digitally altered image under the new law. AB 723 defines “digitally altered image” as:

  • an image, created by or at the direction of the real estate broker or salesperson, or person acting on their behalf
  • that has been altered through the use of photo editing software or artificial intelligence
  • to add, remove, or change elements in the image, including, but not limited to, fixtures, furniture, appliances, flooring, walls, paint color, hardscape, landscape, façade, floor plans, and elements outside of, or visible from, the property, including, but not limited to, streetlights, utility poles, views through windows, and neighboring properties.

While AB 723’s definition of “digitally altered image” seems to mostly target items that are part of the property (e.g., fixtures) or features of the property (e.g., views through windows), real estate licensees should take note that the definition also includes furniture. This means that if a real estate licensee uses virtual staging to add, remove, or change furniture in the property, they will need to disclose that the images have been digitally altered.

Q: How do I disclose digitally altered images in the MLS?
A:   •  Go to ‘Maintain Listing’;
       •  Go to the ‘Add/Edit Pictures’ module;
       •  Add listing photos and select ‘Add Label’ for the digitally altered images;
       •  Type into the ‘Label’ field that the photo is digitally altered (i.e. “altered,” “digitally
           altered,” “AI altered,” or some accurate substantially similar term).

More Information and FAQs >>

CCAR ANNUAL SPONSORS

LeadHax logo/link

Leadership Playbook

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Dear Friends and Colleagues,

Welcome to your first District update of the year. I am Victor Reyes, CCAR Director and Board Liaison, representing those of you who conduct business in the West Contra Costa County area. I serve as your direct connection to CCAR leadership, and will share key updates with you, as well as bring your feedback to the Board.

In this first email of the year, you’ll find timely insights on insurance considerations, new California real estate laws taking effect in 2026, and practical information to support your business.

I look forward to staying connected with you throughout the year. I am here to listen, share updates, and bring your feedback forward. Feel free to reach out to me any time—we always want to hear from you. | MEET YOUR BOARD OF DIRECTORS >

Warm regards,

Victor

Top Tips to Get Insurance in Fire-Prone Areas

In this challenging insurance market, it is important for homebuyers to be proactive, diligent, and patient. Below are the five top tips for homebuyers in finding insurance:

 

CCAR ANNUAL SPONSORS

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2026-inaugural-program

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RED ALERT: Act Today to Protect Homebuyers

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C.A.R. and CCAR are opposing AB 1406 (Ward), a bill that would double the statutory cap on liquidated damages when a buyer purchases a newly constructed, owner-occupied condominium from a developer. Specifically, AB 1406 increases the cap from 3% to 6% of the purchase price.

C.A.R. and CCAR oppose this measure because it weakens long-standing consumer protections that safeguard buyers’ hard-earned savings. By raising the cap, the bill puts buyers at risk of losing life-changing sums of money to help finance condominium projects—an outcome that unfairly shifts risk away from developers and onto consumers.

AB 1406 is expected to be voted on soon by the full Assembly.
Here’s how you can help! 

Please contact your Assemblymember HERE TODAY and urge them to OPPOSE AB 1406.

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