Which activity does NOT represent compliance with real estate trust account laws?

Using client funds for personal use does not represent compliance with real estate trust account laws because such actions violate the fundamental principles of fiduciary responsibility and trust account management. In real estate, brokers and agents are required to handle clients' funds with utmost care and integrity. When earnest money or other trust funds are deposited, they are to be held for specific purposes related to the transaction, such as securing a property purchase.

The other activities listed reflect the proper management and ethical handling of trust accounts. Depositing earnest money into an escrow account is essential for safeguarding funds until the completion of a transaction. Maintaining records of all transactions ensures transparency and accountability, which are critical aspects of compliance. Additionally, keeping trust funds separate from personal funds helps maintain clear boundaries and prevents the misuse of client money, further demonstrating adherence to real estate laws and regulations.