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Community Association Manager (CAM)
Exam Prep 2026: 250 Practice Questions
& Answers with Rationales – Pass Your
Florida DBPR or CMCA Certification on
the First Attempt
Pass the Community Association Manager (CAM) exam
with confidence using this comprehensive 250-question
practice test bank covering Florida DBPR statutes, CMCA
ethics, reserve studies, budgets, fiduciary duties, meeting
procedures, Fair Housing, and enforcement. Each
question includes a bolded correct answer and a
detailed rationale to reinforce your understanding.
Perfect for candidates preparing for the Florida CAM
license or the national CMCA certification. Updated for
2026 rules. Includes practical scenarios, legal
compliance, and financial management. Boost your
score and ace your test on the first try. Ideal for self-
study or classroom use. Instant download available
,2|Page
Q1. A community association manager discovers that the reserve study conducted
three years ago did not account for a major structural component that now requires
immediate repair. According to fundamental fiduciary duties, what is the manager’s
BEST course of action?
A) Delay the repair until the next fiscal year to avoid a special assessment.
B) Inform the board immediately, present the projected cost, and recommend a
funding solution such as a special assessment or reserve transfer.
C) Pay for the repair using the operating account and reimburse the account with
future surplus.
D) Ignore the issue until the next reserve study is updated.
B) Inform the board immediately, present the projected cost, and recommend a
funding solution such as a special assessment or reserve transfer.
Rationale: A manager has a fiduciary duty to disclose material financial and physical
risks to the board in a timely manner. Hiding, delaying, or improperly using operating
funds violates prudent fiscal management and the manager’s obligation to act in the
association’s best interest. The board must be given accurate data to make an informed
decision.
Q2. Under Florida Statute 718.112(2)(d), how many days’ notice must be given for a
special meeting of the members of a condominium association, unless the bylaws
require more notice?
A) 7 days
B) 14 days
C) 21 days
D) 30 days
B) 14 days
Rationale: Florida law mandates at least 14 consecutive days’ written notice for special
member meetings unless the governing documents require a longer period. The notice
must include the purpose of the meeting, and business cannot be conducted outside
that stated purpose.
Q3. A board votes to waive the reserve contribution for the upcoming fiscal year.
Which document must specifically authorize this waiver in order for it to be valid?
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A) The management contract
B) The association’s annual budget
C) The declaration or bylaws, and state statute
D) A petition signed by 10% of the members
C) The declaration or bylaws, and state statute
Rationale: In most jurisdictions, including Florida, reserve funding requirements are
governed by both the association’s governing documents and state statutes. A board
cannot unilaterally waive reserves unless the governing documents and applicable law
explicitly permit it, often requiring a membership vote or specific budget disclosure.
Q4. During an annual meeting, a unit owner makes a motion from the floor to
amend the association’s bylaws. The board chair rules the motion out of order. Is the
chair correct?
A) Yes, because bylaw amendments must be submitted in writing at least 30 days
before the meeting.
B) Yes, because bylaw amendments generally require prior written notice and cannot
be introduced as new business from the floor.
C) No, because any member can make a motion at an annual meeting.
D) No, because the chair must put the motion to a vote and then address validity
later.
B) Yes, because bylaw amendments generally require prior written notice and
cannot be introduced as new business from the floor.
Rationale: Robert’s Rules of Order and most association governing documents require
that amendments to bylaws or declarations be submitted in advance and included in
the meeting notice. This protects all owners' rights to know what is being voted on and
prevents surprise changes.
Q5. A community association manager is preparing the annual budget. Which of the
following is considered an operating expense rather than a reserve expense?
A) Roof replacement
B) Asphalt resurfacing of the parking lot
C) Monthly landscaping and grounds maintenance
D) Painting the entire exterior of the clubhouse
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C) Monthly landscaping and grounds maintenance
Rationale: Operating expenses are recurring, routine costs necessary for day-to-day
operations (e.g., landscaping, utilities, janitorial services). Reserve expenses are for
major, infrequent, and predictable capital repairs and replacements (e.g., roof,
pavement, exterior painting) that have a useful life of more than one year.
Q6. According to the CMCA code of ethics, if a manager receives a kickback or
referral fee from a vendor for awarding a contract, the manager must:
A) Refuse the payment entirely unless it is under $50.
B) Accept it but keep it confidential to avoid vendor retaliation.
C) Disclose the payment in writing to the board and obtain their approval before
accepting it.
D) Place the payment into the association’s operating account without disclosure.
C) Disclose the payment in writing to the board and obtain their approval
before accepting it.
Rationale: The CMCA Code of Ethics requires full transparency and prohibits secret
profits. Any compensation beyond the manager’s regular salary that arises from
association business must be fully disclosed and approved by the board to avoid
conflicts of interest and self-dealing.
Q7. A Florida condominium association board schedules a meeting to discuss
litigation strategy with its attorney. The board votes to close the meeting to owners.
Is this permissible?
A) No, all meetings must be open to owners under Florida law.
B) Yes, but only if the minutes are destroyed immediately after.
C) Yes, Florida law allows board meetings to be closed for attorney-client sessions
regarding proposed or pending litigation.
D) No, unless the manager personally approves the closure.
C) Yes, Florida law allows board meetings to be closed for attorney-client
sessions regarding proposed or pending litigation.
Rationale: Florida’s Sunshine Law for condominiums and HOAs includes specific
exemptions for board meetings where the discussion involves pending or proposed
litigation and the attorney is present. However, the board must still record the meeting
and limit the closure strictly to the legal issue.
Community Association Manager (CAM)
Exam Prep 2026: 250 Practice Questions
& Answers with Rationales – Pass Your
Florida DBPR or CMCA Certification on
the First Attempt
Pass the Community Association Manager (CAM) exam
with confidence using this comprehensive 250-question
practice test bank covering Florida DBPR statutes, CMCA
ethics, reserve studies, budgets, fiduciary duties, meeting
procedures, Fair Housing, and enforcement. Each
question includes a bolded correct answer and a
detailed rationale to reinforce your understanding.
Perfect for candidates preparing for the Florida CAM
license or the national CMCA certification. Updated for
2026 rules. Includes practical scenarios, legal
compliance, and financial management. Boost your
score and ace your test on the first try. Ideal for self-
study or classroom use. Instant download available
,2|Page
Q1. A community association manager discovers that the reserve study conducted
three years ago did not account for a major structural component that now requires
immediate repair. According to fundamental fiduciary duties, what is the manager’s
BEST course of action?
A) Delay the repair until the next fiscal year to avoid a special assessment.
B) Inform the board immediately, present the projected cost, and recommend a
funding solution such as a special assessment or reserve transfer.
C) Pay for the repair using the operating account and reimburse the account with
future surplus.
D) Ignore the issue until the next reserve study is updated.
B) Inform the board immediately, present the projected cost, and recommend a
funding solution such as a special assessment or reserve transfer.
Rationale: A manager has a fiduciary duty to disclose material financial and physical
risks to the board in a timely manner. Hiding, delaying, or improperly using operating
funds violates prudent fiscal management and the manager’s obligation to act in the
association’s best interest. The board must be given accurate data to make an informed
decision.
Q2. Under Florida Statute 718.112(2)(d), how many days’ notice must be given for a
special meeting of the members of a condominium association, unless the bylaws
require more notice?
A) 7 days
B) 14 days
C) 21 days
D) 30 days
B) 14 days
Rationale: Florida law mandates at least 14 consecutive days’ written notice for special
member meetings unless the governing documents require a longer period. The notice
must include the purpose of the meeting, and business cannot be conducted outside
that stated purpose.
Q3. A board votes to waive the reserve contribution for the upcoming fiscal year.
Which document must specifically authorize this waiver in order for it to be valid?
,3|Page
A) The management contract
B) The association’s annual budget
C) The declaration or bylaws, and state statute
D) A petition signed by 10% of the members
C) The declaration or bylaws, and state statute
Rationale: In most jurisdictions, including Florida, reserve funding requirements are
governed by both the association’s governing documents and state statutes. A board
cannot unilaterally waive reserves unless the governing documents and applicable law
explicitly permit it, often requiring a membership vote or specific budget disclosure.
Q4. During an annual meeting, a unit owner makes a motion from the floor to
amend the association’s bylaws. The board chair rules the motion out of order. Is the
chair correct?
A) Yes, because bylaw amendments must be submitted in writing at least 30 days
before the meeting.
B) Yes, because bylaw amendments generally require prior written notice and cannot
be introduced as new business from the floor.
C) No, because any member can make a motion at an annual meeting.
D) No, because the chair must put the motion to a vote and then address validity
later.
B) Yes, because bylaw amendments generally require prior written notice and
cannot be introduced as new business from the floor.
Rationale: Robert’s Rules of Order and most association governing documents require
that amendments to bylaws or declarations be submitted in advance and included in
the meeting notice. This protects all owners' rights to know what is being voted on and
prevents surprise changes.
Q5. A community association manager is preparing the annual budget. Which of the
following is considered an operating expense rather than a reserve expense?
A) Roof replacement
B) Asphalt resurfacing of the parking lot
C) Monthly landscaping and grounds maintenance
D) Painting the entire exterior of the clubhouse
, 4|Page
C) Monthly landscaping and grounds maintenance
Rationale: Operating expenses are recurring, routine costs necessary for day-to-day
operations (e.g., landscaping, utilities, janitorial services). Reserve expenses are for
major, infrequent, and predictable capital repairs and replacements (e.g., roof,
pavement, exterior painting) that have a useful life of more than one year.
Q6. According to the CMCA code of ethics, if a manager receives a kickback or
referral fee from a vendor for awarding a contract, the manager must:
A) Refuse the payment entirely unless it is under $50.
B) Accept it but keep it confidential to avoid vendor retaliation.
C) Disclose the payment in writing to the board and obtain their approval before
accepting it.
D) Place the payment into the association’s operating account without disclosure.
C) Disclose the payment in writing to the board and obtain their approval
before accepting it.
Rationale: The CMCA Code of Ethics requires full transparency and prohibits secret
profits. Any compensation beyond the manager’s regular salary that arises from
association business must be fully disclosed and approved by the board to avoid
conflicts of interest and self-dealing.
Q7. A Florida condominium association board schedules a meeting to discuss
litigation strategy with its attorney. The board votes to close the meeting to owners.
Is this permissible?
A) No, all meetings must be open to owners under Florida law.
B) Yes, but only if the minutes are destroyed immediately after.
C) Yes, Florida law allows board meetings to be closed for attorney-client sessions
regarding proposed or pending litigation.
D) No, unless the manager personally approves the closure.
C) Yes, Florida law allows board meetings to be closed for attorney-client
sessions regarding proposed or pending litigation.
Rationale: Florida’s Sunshine Law for condominiums and HOAs includes specific
exemptions for board meetings where the discussion involves pending or proposed
litigation and the attorney is present. However, the board must still record the meeting
and limit the closure strictly to the legal issue.
