Trust FundsIntermediateAlabama Exam

An Alabama broker who knowingly issues a check from the trust account with insufficient funds to cover it may face:

AOnly a civil lawsuit from the affected party
BCriminal charges for check fraud and AREC disciplinary actionCorrect
CA warning from their bank only
DNo consequences if they cover the check within 5 days, in general

Why Criminal charges for check fraud and AREC disciplinary action Is Correct

Answer B: Criminal charges for check fraud and AREC disciplinary action

Issuing bad checks from a trust account can constitute criminal fraud and will trigger AREC disciplinary proceedings, including possible license revocation.

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.

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State-Specific Concepts

Trust Account RulesAREC Regulation

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