Trust FundsIntermediateAlabama Exam

'Conversion' of trust funds occurs when a broker:

ADeposits trust funds in an interest-bearing account, as a general rule
BUses client funds for the broker's own personal or business purposesCorrect
CReturns unused earnest money to the buyer
DTransfers a trust account to a new bank

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

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

Conversion is the illegal act of using client funds (from the trust account) for the broker's own benefit. Unlike commingling (which is mixing funds), conversion involves actually spending or appropriating client money — essentially theft.

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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