Which duty can a non-attorney settlement agent perform regarding closing disclosures?

The role of a non-attorney settlement agent in relation to closing disclosures is primarily to prepare those documents. The preparation of closing disclosures is a task that does not require legal expertise, which allows non-attorney agents to manage this responsibility effectively. This task involves gathering information related to the transaction, compiling the necessary details, and formatting them into the required disclosure documents that inform all parties of the financial aspects of the transaction.

Other options require a deeper understanding of legal principles or judgment, which is beyond the scope of what non-attorneys are typically authorized to handle. For instance, explaining the legal effects of title exceptions or documents involves interpreting legal language and potential impacts, which generally necessitates a legal background. Similarly, selecting legal instruments that require legal judgment is a task meant for licensed attorneys who possess the necessary qualifications and knowledge to navigate the complexities of property law.