Trust FundsIntermediateCalifornia Exam

A real estate broker's trust account must be maintained at:

AAny financial institution approved by the DRE
BA federally insured financial institution in CaliforniaCorrect
CThe state treasurer's office
DAny bank authorized to do business in any U.S. state

Why A federally insured financial institution in California Is Correct

Answer B: A federally insured financial institution in California

California law requires that trust accounts be maintained at a bank, savings association, credit union, or other financial institution authorized to do business in California with accounts insured by the FDIC or NCUA. The institution must be in California.

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 RulesDRE Regulation

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