Trust FundsIntermediateCalifornia Exam

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 expensesCorrect
CReturns earnest money to a buyer after a failed transaction
DDeposits trust funds one day late

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

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

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.

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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