Agency & LawQuestion 35 of 120

Placing client or earnest money funds into a broker's personal or general business account instead of a proper trust or escrow account is called:

a.Novation
b.Subrogation
c.Commingling (or conversion if used)
d.Estoppel

Explanation

Commingling is improperly mixing client funds with the broker's own funds, and using those funds is conversion. Both are serious violations that can lead to license discipline.

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