Trust FundsIntermediateCalifornia Exam

A 'shortage' in a broker's trust account — where the trust liability exceeds the bank balance — is most likely evidence of:

ANormal banking delays
BConversion or comminglingCorrect
CProper escrow management
DAn error by the bank

Why Conversion or commingling Is Correct

Answer B: Conversion or commingling

A shortage in the trust account (trust liabilities exceed the bank balance) indicates that funds belonging to clients are missing, which is a hallmark of conversion (misappropriation) or improper commingling and is a serious DRE violation.

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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State-Specific Concepts

Trust Account RulesDRE Regulation

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