Iowa License Law

Which of the following is considered commingling under Iowa license law?

ADepositing client funds in a trust account separate from business funds
BMixing client earnest money with the broker's personal operating funds✓ Correct
CMaintaining two separate trust accounts for different clients
DPaying a referral fee to a licensed broker in another state

Explanation

Commingling is the illegal mixing of client funds (such as earnest money) with the broker's personal or operating funds. Iowa license law requires strict separation of client and business funds.

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