FLORIDA CAM FINAL EXAM QUESTIONS AND CORRECT ANSWERS (VERIFIED ANSWERS) PLUS RATIONALES
2026 Q&A |LATEST EXAM UPDATE 2026/2027
SECTION ONE: QUESTIONS 1-100
1. Under Florida Statute 468, the primary purpose of the Community Association Manager (CAM) licensing
law is to:
A. Ensure property values remain high in all communities.
B. Protect the health, safety, and welfare of the public.
C. Maximize profits for community association management companies.
D. Reduce the administrative burden on volunteer board members.
🟢B
🔴 RATIONALE: The primary legislative purpose of licensing laws, including those for CAMs in Florida, is to
protect the public's health, safety, and welfare, not to serve the interests of the industry or property values.
2. A community association manager is considered to be "actively engaged" in the business of community
association management when they perform which of the following activities?
A. Simply holding a valid CAM license.
B. Being a member of the board of directors of a community association.
C. Working as an employee of a management company, performing management services for compensation.
D. Providing legal advice to the association's board of directors.
🟢C
🔴 RATIONALE: Active engagement requires performing management services for compensation. Holding a
license alone, serving as a volunteer board member, or providing legal advice (which is unauthorized practice of
law) does not constitute active engagement.
,3. According to Florida law, a community association manager's license must be renewed every:
A. One year.
B. Two years.
C. Three years.
D. Four years.
🟢B
🔴 RATIONALE: Under Florida law, CAM licenses are renewed biennially (every two years) to ensure managers
remain current with industry changes and continuing education requirements.
4. Which of the following is a required core subject for continuing education (CE) for a Florida CAM license
renewal?
A. Advanced Landscaping Design.
B. Real Estate Investment Strategies.
C. Florida Building Codes and Safety.
D. Condominium and Homeowners' Association Law.
🟢D
🔴 RATIONALE: Florida law mandates that a portion of continuing education credits be in core subjects directly
related to the practice of community association management, specifically including condominium and HOA
law, ethics, and record-keeping.
5. A CAM is preparing the annual budget for a condominium association. Which financial concept is most
critical for ensuring the association's long-term financial health?
A. Maximizing the surplus to lower future assessments.
B. Allocating funds to a reserve account for capital expenditures and deferred maintenance.
,C. Eliminating all non-essential operational expenses.
D. Investing all surplus funds in high-risk, high-yield stocks.
🟢B
🔴 RATIONALE: Funding reserves is a critical fiduciary duty to ensure the association can pay for major repairs
and replacements (e.g., roofs, pools, paving) without requiring special assessments, thereby protecting property
values and the financial health of the association.
6. A board of directors instructs the CAM to hire their nephew's landscaping company without seeking other
bids. The bid is 20% higher than the market average. What is the CAM's most appropriate course of action?
A. Follow the board's instruction, as they are the governing body.
B. Hire the nephew and inform the homeowners that the board made the choice.
C. Advise the board of their fiduciary duty to obtain competitive bids and document the potential conflict of
interest.
D. Hire the nephew but ask for a 10% discount to make the price more competitive.
🟢C
🔴 RATIONALE: The CAM has a duty to advise the board on best practices and fiduciary responsibilities. This
includes advising against conflicts of interest and recommending a competitive bidding process to ensure the
association receives fair value, while documenting the advice to protect themselves.
7. Under Florida's "Sunshine Law," which of the following meetings of a community association board of
directors must be open to all members?
A. A meeting to discuss a pending lawsuit with the association's attorney.
B. A meeting to negotiate the purchase of a new piece of common area property.
C. A meeting to discuss the discipline of a specific homeowner for a rule violation.
D. A meeting to approve the annual budget.
, 🟢D
🔴 RATIONALE: Florida's Government-in-the-Sunshine Law (applicable to many HOAs and condos) requires that
board meetings where official actions are taken, such as approving the budget, be open to all members.
Statutory exemptions exist for matters like pending litigation, personnel issues, and meeting with attorneys.
8. The DBPR (Department of Business and Professional Regulation) has the primary authority to:
A. Interpret the association's governing documents.
B. Resolve contract disputes between homeowners and the association.
C. Investigate and discipline licensed community association managers for violations of Chapter 468.
D. Enforce the architectural control covenants of a community.
🟢C
🔴 RATIONALE: The DBPR is the state agency responsible for licensing and regulating businesses and
professionals, including CAMs. They have the authority to investigate complaints, conduct hearings, and
discipline licensees for violations of Chapter 468, Part VIII, and associated rules.
9. A CAM discovers that the association's insurance policy has lapsed. What is the manager's PRIMARY
responsibility?
A. Immediately notify the board and recommend securing a new policy to avoid a lapse in coverage.
B. Do nothing, as the board is responsible for maintaining insurance.
C. Personally purchase a new policy to ensure the association is covered.
D. Wait until the next board meeting to report the lapse.
🟢A
🔴 RATIONALE: The CAM has a duty to act in the best interest of the association and must immediately notify
the board of the critical lapse in coverage. Their role is to advise and recommend a course of action (securing
new coverage) to mitigate risk.
2026 Q&A |LATEST EXAM UPDATE 2026/2027
SECTION ONE: QUESTIONS 1-100
1. Under Florida Statute 468, the primary purpose of the Community Association Manager (CAM) licensing
law is to:
A. Ensure property values remain high in all communities.
B. Protect the health, safety, and welfare of the public.
C. Maximize profits for community association management companies.
D. Reduce the administrative burden on volunteer board members.
🟢B
🔴 RATIONALE: The primary legislative purpose of licensing laws, including those for CAMs in Florida, is to
protect the public's health, safety, and welfare, not to serve the interests of the industry or property values.
2. A community association manager is considered to be "actively engaged" in the business of community
association management when they perform which of the following activities?
A. Simply holding a valid CAM license.
B. Being a member of the board of directors of a community association.
C. Working as an employee of a management company, performing management services for compensation.
D. Providing legal advice to the association's board of directors.
🟢C
🔴 RATIONALE: Active engagement requires performing management services for compensation. Holding a
license alone, serving as a volunteer board member, or providing legal advice (which is unauthorized practice of
law) does not constitute active engagement.
,3. According to Florida law, a community association manager's license must be renewed every:
A. One year.
B. Two years.
C. Three years.
D. Four years.
🟢B
🔴 RATIONALE: Under Florida law, CAM licenses are renewed biennially (every two years) to ensure managers
remain current with industry changes and continuing education requirements.
4. Which of the following is a required core subject for continuing education (CE) for a Florida CAM license
renewal?
A. Advanced Landscaping Design.
B. Real Estate Investment Strategies.
C. Florida Building Codes and Safety.
D. Condominium and Homeowners' Association Law.
🟢D
🔴 RATIONALE: Florida law mandates that a portion of continuing education credits be in core subjects directly
related to the practice of community association management, specifically including condominium and HOA
law, ethics, and record-keeping.
5. A CAM is preparing the annual budget for a condominium association. Which financial concept is most
critical for ensuring the association's long-term financial health?
A. Maximizing the surplus to lower future assessments.
B. Allocating funds to a reserve account for capital expenditures and deferred maintenance.
,C. Eliminating all non-essential operational expenses.
D. Investing all surplus funds in high-risk, high-yield stocks.
🟢B
🔴 RATIONALE: Funding reserves is a critical fiduciary duty to ensure the association can pay for major repairs
and replacements (e.g., roofs, pools, paving) without requiring special assessments, thereby protecting property
values and the financial health of the association.
6. A board of directors instructs the CAM to hire their nephew's landscaping company without seeking other
bids. The bid is 20% higher than the market average. What is the CAM's most appropriate course of action?
A. Follow the board's instruction, as they are the governing body.
B. Hire the nephew and inform the homeowners that the board made the choice.
C. Advise the board of their fiduciary duty to obtain competitive bids and document the potential conflict of
interest.
D. Hire the nephew but ask for a 10% discount to make the price more competitive.
🟢C
🔴 RATIONALE: The CAM has a duty to advise the board on best practices and fiduciary responsibilities. This
includes advising against conflicts of interest and recommending a competitive bidding process to ensure the
association receives fair value, while documenting the advice to protect themselves.
7. Under Florida's "Sunshine Law," which of the following meetings of a community association board of
directors must be open to all members?
A. A meeting to discuss a pending lawsuit with the association's attorney.
B. A meeting to negotiate the purchase of a new piece of common area property.
C. A meeting to discuss the discipline of a specific homeowner for a rule violation.
D. A meeting to approve the annual budget.
, 🟢D
🔴 RATIONALE: Florida's Government-in-the-Sunshine Law (applicable to many HOAs and condos) requires that
board meetings where official actions are taken, such as approving the budget, be open to all members.
Statutory exemptions exist for matters like pending litigation, personnel issues, and meeting with attorneys.
8. The DBPR (Department of Business and Professional Regulation) has the primary authority to:
A. Interpret the association's governing documents.
B. Resolve contract disputes between homeowners and the association.
C. Investigate and discipline licensed community association managers for violations of Chapter 468.
D. Enforce the architectural control covenants of a community.
🟢C
🔴 RATIONALE: The DBPR is the state agency responsible for licensing and regulating businesses and
professionals, including CAMs. They have the authority to investigate complaints, conduct hearings, and
discipline licensees for violations of Chapter 468, Part VIII, and associated rules.
9. A CAM discovers that the association's insurance policy has lapsed. What is the manager's PRIMARY
responsibility?
A. Immediately notify the board and recommend securing a new policy to avoid a lapse in coverage.
B. Do nothing, as the board is responsible for maintaining insurance.
C. Personally purchase a new policy to ensure the association is covered.
D. Wait until the next board meeting to report the lapse.
🟢A
🔴 RATIONALE: The CAM has a duty to act in the best interest of the association and must immediately notify
the board of the critical lapse in coverage. Their role is to advise and recommend a course of action (securing
new coverage) to mitigate risk.
