Trust Funds

Conversion of trust funds occurs when a broker:

AInvests trust funds in an interest-bearing account with client permission
BUses client trust funds for the broker's personal use or business expenses✓ Correct
CReturns earnest money to a buyer after a failed transaction
DDeposits trust funds one day late

Explanation

Conversion is the misappropriation of trust funds — using funds held in trust for purposes other than those intended, such as paying broker expenses or personal bills. Conversion is a criminal act as well as a grounds for license revocation.

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