After closing a loan, when must ABC Mortgage stop contacting Laura to solicit new business?

The correct answer is that ABC Mortgage must stop contacting Laura to solicit new business after 18 months. This timeframe aligns with the established guidelines for unsolicited advertising under the regulations governing mortgage communications.

Under these regulations, businesses have a specified period within which they can continue to market to consumers after a transaction. In this case, the 18-month period is put in place to ensure that consumers are not continuously contacted after a loan has been closed, allowing them a reasonable amount of time to decide if they would like to pursue additional services without being overwhelmed by persistent solicitations.

It's important to note that once the 18-month mark is reached, any further unsolicited contact could be viewed as a violation of consumer privacy protections, emphasizing the need for compliance among mortgage lenders when managing customer relationships post-transaction.