Trust FundsIntermediateAlabama Exam

Conversion of client funds in a trust account occurs when a broker:

ATransfers funds to a different trust account
BUses client funds for the broker's own personal or business expensesCorrect
CInvests trust funds in a money market account, under standard practice
DReturns funds after a deal falls through

Why Uses client funds for the broker's own personal or business expenses Is Correct

Answer B: Uses client funds for the broker's own personal or business expenses

Conversion is the illegal use of client trust funds for the broker's own purposes. It is one of the most serious violations under Alabama license law and can result in criminal charges as well as 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.

Key Trust Funds Terms in This Question

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