Can an unlicensed transaction coordinator call the lender?
It depends on the state and on what is said. Ministerial and administrative communication is generally treated differently from negotiating terms or advising on the transaction. California publishes a list of permitted and prohibited activities, Texas asks licensees to reason from TRELA and Rules 535.4 and 535.5, and Florida provides no single state page, leaving section 475.42 of the Florida Statutes as the governing authority.
Is there a national licence for transaction coordinators?
No. There is no federal regulator, no national licence and no reciprocity for transaction coordination. The only formal credential is the California Association of REALTORS Certified Transaction Coordinator designation, which is a credential rather than a licence.
Can I rely on NAR's unlicensed assistants table?
Use it for orientation only. The table carries a 2017 date, and state commissions have published guidance since. Any scope decision that matters should be checked against the current state regulator page and the statute or rule it cites.
Which states publish the clearest guidance?
California is the clearest of the three largest markets, publishing both a web page and a detailed PDF guide through the Department of Real Estate. Texas publishes conditional guidance grounded in statute. Florida has no equivalent single page.