Which of the following is a common ground for disciplinary action against a real estate licensee under state law?

COMMON GROUNDS FOR DISCIPLINARY ACTION: State real estate commissions can discipline licensees for violations including: MISREPRESENTATION or FRAUD (lying about material facts, deceiving clients/customers); COMMINGLING or CONVERSION of trust funds; failure to provide required AGENCY DISCLOSURE; practicing with an EXPIRED, suspended, or revoked license; DISHONEST DEALING or breach of fiduciary duty; failing to deliver documents/funds; UNLICENSED ACTIVITY (or paying unlicensed persons for licensed activities); violating fair housing laws; failure to supervise (brokers); criminal convictions (certain types); incompetence or negligence; commingling personal and client funds; DISCIPLINARY ACTIONS: Fines, license suspension, license revocation, required education, censure/reprimand; PROCESS: Complaint → investigation → hearing → decision (with due process/appeal rights); the state commission protects the public by enforcing license law; knowing the common violations and that they lead to discipline is important state exam content; misrepresentation, trust fund mishandling, agency violations, and unlicensed/dishonest dealing are among the most common and serious grounds for disciplinary action.