Before any agreement is entered into, or before any money is paid by a consumer, whichever occurs first, the loan broker shall provide the consumer with written disclosure of material consumer protections, including the following:
1. The existence and purpose of the surety bond on file with the State, and the procedure for instituting an action against that bond;
2. The requirement that all fees from the consumer, other than bona fide 3rd-party fees, be placed in an escrow account; and
3. The requirement for a written, signed agreement between the parties.