Trust FundsIntermediateAlabama Exam

A broker maintains a trust account with a balance of $50,000 representing multiple clients' earnest money deposits. The broker should:

AKeep a detailed ledger showing each client's deposit and balance separatelyCorrect
BKeep a single total balance and divide equally at closing, as a general rule
CWithdraw the funds monthly and redeposit them
DTransfer the funds to a CD for higher interest

Why Keep a detailed ledger showing each client's deposit and balance separately Is Correct

Answer A: Keep a detailed ledger showing each client's deposit and balance separately

Alabama requires brokers to maintain individual ledger records for each client's funds in the trust account, even if all deposits are held in a single pooled account. This allows accurate accounting and auditing of each client's money.

Exam Tip: Trust Funds

Trust fund questions test the rules for handling client money. Know the deadlines for depositing trust funds, what constitutes commingling vs. conversion, and the penalties for violations.

Key Trust Funds Terms in This Question

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