GOLD COAST CAM EXAMINATION TEST 2025/2026
QUESTIONS WITH ANSWERS RATED A+
✔✔Nelson De Fede, a newly licensed CAM, has just been hired by Over the Hills HOA.
The association's president has authorized Nelson to prepare a preliminary budget for a
proposed $1.5 million special assessment. Nelson has never prepared a budget before.
However, he understands that this is part of the CAM's job. Which of the following is
true?
a. Nelson is qualified to prepare the special assessment project budget, because he
took the CAM pre-licensure course and passed the DBPR CAM exam.
b. Because of his lack of experience, Nelson is unqualified to prepare the budget.
c. Nelson is legally permitted to prepare the budget because of the president's
authorization.
d. Nelson should inform the president that he is incompetent and recommend that the
president's wife, who is a bookkeeper, prepare the budget. - ✔✔b. Because of his lack
of experience, Nelson is unqualified to prepare the budget.
✔✔Ron Fosse is the manager of Leaning Towers Condominium, a 30-story building that
has 100 boat slips on the Intracoastal. The board recently voted to repair its seawall.
Ron informed the directors that he is a professional engineer with seawall restoration
experience. He offers his services to the board for a fee of $10,000, $5,000 less than
the lowest bid. Which of the following is true?
a. The board should approve this, as it will save the association $5,000.
b. The board can approve this, if Ron provides proof of licensure or certification, and full
disclosure is made of the potential conflict of interest.
c. The board should let the boat owners leasing or owning the marina slips decide.
d. The board should request bids for the services (including from Ron) and amend
Ron's contract to include this service. - ✔✔b. The board can approve this, if Ron
provides proof of licensure or certification, and full disclosure is made of the potential
conflict of interest.
✔✔The Division of Professions performs all of the following, EXCEPT:
a. Sets standards for the licensing application process
b. Provides licensure and license maintenance
c. Approves applications for licenses that meet all statutory and rule requirements
d. Determines the continuing education requirements - ✔✔d. Determines the continuing
education requirements
✔✔What is separate interest?
a. The CAM uses the community association's assets, or their position within the
community association, for personal gain.
,b. The CAM benefits from a third party with whom the community association is doing
business and in which they have an undeclared interest.
c. The CAM has an interest in the community association, such as owning a unit, or in a
vendor that the community association uses (e.g., is employed by that vendor).
d. The CAM informs a favored vendor of the competitive bids for the same contract the
vendor is bidding on. - ✔✔c. The CAM has an interest in the community association,
such as owning a unit, or in a vendor that the community association uses (e.g., is
employed by that vendor).
✔✔What is duty of care?
a. It is similar to prudent business judgment in that it is assumed that the CAM exercises
the skill and care that a reasonable person would exercise under the same or similar
circumstances.
b. It is similar to fiduciary responsibility in that it is assumed that the CAM will act only in
the community association's best interest when handling its affairs. c. It is similar to
prudent judgment in that it is assumed that the CAM does as they are instructed by the
board.
d. It is similar to personal responsibility in that it is assumed that the CAM will act only in
their own best interest - ✔✔a. It is similar to prudent business judgment in that it is
assumed that the CAM exercises the skill and care that a reasonable person would
exercise under the same or similar circumstances.
✔✔Tom Franklin works for Best Condominium Management (BCM) as an onsite CAM
for Platinum Towers, a 40-story high-rise in Cocoa Beach. Before becoming a CAM,
Tom worked for Pay or Else Collections, preparing lien and foreclosure documents.
Platinum Towers asks Tom to recommend a new attorney to handle collections. What
should Tom do?
a. Tom could recommend his first cousin, who recently passed the Florida Bar and is
working for Bonner & Bonner, PA.
b. Tom should recommend Rackum & Sons, PA that represents BCM in contract
negotiations.
c. Tom should ask other managers at BCM for recommendations from their properties.
d. Tom should suggest that Platinum Towers save money by allowing him to pursue
collections and pay him a commission of 10% for every delinquent account he collects -
✔✔c. Tom should ask other managers at BCM for recommendations from their
properties.
✔✔A CAM who is a member of the United States Armed Forces and is on active duty, is
exempt from paying dues or fees to the DBPR, if not engaged in their licensed activity in
the for-profit sector, if which of the following applies?
a. Only if they are deployed in a combat zone
b. If they are employed as a CAM in the private sector
c. During the active-duty period only
,d. During the active-duty period and for a period of two years after discharge - ✔✔d.
During the active-duty period and for a period of two years after discharge
✔✔What is a kickback?
a. The CAM receives compensation from a vendor for influencing the board to select
that particular vendor or contractor.
b. The CAM informs a favored vendor of other bids.
c. The CAM benefits from a third party with whom the community association is doing
business and has an undeclared interest.
d. The CAM has an interest in the community association (e.g., owns a unit) or in a
vendor that the community association uses (e.g., is an employee) - ✔✔a. The CAM
receives compensation from a vendor for influencing the board to select that particular
vendor or contractor.
✔✔Which statement best describes the RCCAM?
a. It has five members appointed by the governor and confirmed by the Florida House of
Representatives.
b. It must have five members that have been licensed CAMs for at least seven years.
c. It must have two members who are residents of Florida and know nothing about
community associations.
d. It has seven members who serve four year terms, or until another person is
appointed to fill their seat. - ✔✔d. It has seven members who serve four year terms, or
until another person is appointed to fill their seat.
✔✔Lucia Gonzalez is the onsite CAM for Caladium Heights Condominium. It recently
had an election, and the new directors decided to move accounts to Palatka Community
Bank. Lucia has picked up the bank package, in which she finds a debit card. What
should Lucia do?
a. Should ask for three debit cards, one each for the president, maintenance supervisor,
and treasurer
b. Should decline the debit card and explain that the Condominium Act prohibits CAMs
or employees of CABs, or officers or directors of the association from using debit cards
in the name of the association
c. Should ask that only a single debit card be issued, in the name of the maintenance
supervisor, as directors, officers, and the manager are prohibited by statute from using
debit cards
d. Should request that a limit of $1,000 be placed on the debit card, as this is the
amount that the president or manager can authorize without board approval. - ✔✔b.
Should decline the debit card and explain that the Condominium Act prohibits CAMs or
employees of CABs, or officers or directors of the association from using debit cards in
the name of the association
, ✔✔What is duty of loyalty?
a. It is similar to prudent business judgment in that it is assumed that the CAM exercises
the skill and care that a reasonable person would exercise under the same or similar
circumstances.
b. It is similar to fiduciary responsibility in that it is assumed that the CAM will act only in
the community association's best interest when handling its affairs. c. It is similar to
prudent judgment in that it is assumed that the CAM does as they are instructed by the
board.
d. It is similar to personal responsibility in that it is assumed that the CAM will act only in
their own best interest. - ✔✔b. It is similar to fiduciary responsibility in that it is assumed
that the CAM will act only in the community association's best interest when handling its
affairs.
✔✔You are the manager of the Ochoa Horizons Cooperative that recently terminated its
contract with Delta Management. You have sent a letter to Delta requesting that it return
all association records to Ochoa Horizons. Within what timeframe must Delta return the
records?
a. Delta has 20 days after it receives the written notice to return all records.
b. Delta has 10 business days after it receives the written notice to return all records
except those necessary to complete an ending financial report.
c. Delta has not received its last payment from Ochoa, and, therefore, can withhold
records until the payment is received.
d. Associations are expected to maintain a copy of all records on property, separately
from a CAM/CAB. Therefore, Ochoa must pay Delta for copying any records it wishes. -
✔✔b. Delta has 10 business days after it receives the written notice to return all records
except those necessary to complete an ending financial report.
✔✔What determines how a given parcel of land may be used?
a. The site plan
b. Zoning regulations
c. The developer's filing document
d. The community development master plan - ✔✔b. Zoning regulations
✔✔All of the following are true regarding the creation of a community association,
EXCEPT:
a. It is created when a developer files the required legal documents with the applicable
legal entity.
b. The legal documents filed by the developer identifies a specific property as a specific
type of community association.
c. The community association must be incorporated.
QUESTIONS WITH ANSWERS RATED A+
✔✔Nelson De Fede, a newly licensed CAM, has just been hired by Over the Hills HOA.
The association's president has authorized Nelson to prepare a preliminary budget for a
proposed $1.5 million special assessment. Nelson has never prepared a budget before.
However, he understands that this is part of the CAM's job. Which of the following is
true?
a. Nelson is qualified to prepare the special assessment project budget, because he
took the CAM pre-licensure course and passed the DBPR CAM exam.
b. Because of his lack of experience, Nelson is unqualified to prepare the budget.
c. Nelson is legally permitted to prepare the budget because of the president's
authorization.
d. Nelson should inform the president that he is incompetent and recommend that the
president's wife, who is a bookkeeper, prepare the budget. - ✔✔b. Because of his lack
of experience, Nelson is unqualified to prepare the budget.
✔✔Ron Fosse is the manager of Leaning Towers Condominium, a 30-story building that
has 100 boat slips on the Intracoastal. The board recently voted to repair its seawall.
Ron informed the directors that he is a professional engineer with seawall restoration
experience. He offers his services to the board for a fee of $10,000, $5,000 less than
the lowest bid. Which of the following is true?
a. The board should approve this, as it will save the association $5,000.
b. The board can approve this, if Ron provides proof of licensure or certification, and full
disclosure is made of the potential conflict of interest.
c. The board should let the boat owners leasing or owning the marina slips decide.
d. The board should request bids for the services (including from Ron) and amend
Ron's contract to include this service. - ✔✔b. The board can approve this, if Ron
provides proof of licensure or certification, and full disclosure is made of the potential
conflict of interest.
✔✔The Division of Professions performs all of the following, EXCEPT:
a. Sets standards for the licensing application process
b. Provides licensure and license maintenance
c. Approves applications for licenses that meet all statutory and rule requirements
d. Determines the continuing education requirements - ✔✔d. Determines the continuing
education requirements
✔✔What is separate interest?
a. The CAM uses the community association's assets, or their position within the
community association, for personal gain.
,b. The CAM benefits from a third party with whom the community association is doing
business and in which they have an undeclared interest.
c. The CAM has an interest in the community association, such as owning a unit, or in a
vendor that the community association uses (e.g., is employed by that vendor).
d. The CAM informs a favored vendor of the competitive bids for the same contract the
vendor is bidding on. - ✔✔c. The CAM has an interest in the community association,
such as owning a unit, or in a vendor that the community association uses (e.g., is
employed by that vendor).
✔✔What is duty of care?
a. It is similar to prudent business judgment in that it is assumed that the CAM exercises
the skill and care that a reasonable person would exercise under the same or similar
circumstances.
b. It is similar to fiduciary responsibility in that it is assumed that the CAM will act only in
the community association's best interest when handling its affairs. c. It is similar to
prudent judgment in that it is assumed that the CAM does as they are instructed by the
board.
d. It is similar to personal responsibility in that it is assumed that the CAM will act only in
their own best interest - ✔✔a. It is similar to prudent business judgment in that it is
assumed that the CAM exercises the skill and care that a reasonable person would
exercise under the same or similar circumstances.
✔✔Tom Franklin works for Best Condominium Management (BCM) as an onsite CAM
for Platinum Towers, a 40-story high-rise in Cocoa Beach. Before becoming a CAM,
Tom worked for Pay or Else Collections, preparing lien and foreclosure documents.
Platinum Towers asks Tom to recommend a new attorney to handle collections. What
should Tom do?
a. Tom could recommend his first cousin, who recently passed the Florida Bar and is
working for Bonner & Bonner, PA.
b. Tom should recommend Rackum & Sons, PA that represents BCM in contract
negotiations.
c. Tom should ask other managers at BCM for recommendations from their properties.
d. Tom should suggest that Platinum Towers save money by allowing him to pursue
collections and pay him a commission of 10% for every delinquent account he collects -
✔✔c. Tom should ask other managers at BCM for recommendations from their
properties.
✔✔A CAM who is a member of the United States Armed Forces and is on active duty, is
exempt from paying dues or fees to the DBPR, if not engaged in their licensed activity in
the for-profit sector, if which of the following applies?
a. Only if they are deployed in a combat zone
b. If they are employed as a CAM in the private sector
c. During the active-duty period only
,d. During the active-duty period and for a period of two years after discharge - ✔✔d.
During the active-duty period and for a period of two years after discharge
✔✔What is a kickback?
a. The CAM receives compensation from a vendor for influencing the board to select
that particular vendor or contractor.
b. The CAM informs a favored vendor of other bids.
c. The CAM benefits from a third party with whom the community association is doing
business and has an undeclared interest.
d. The CAM has an interest in the community association (e.g., owns a unit) or in a
vendor that the community association uses (e.g., is an employee) - ✔✔a. The CAM
receives compensation from a vendor for influencing the board to select that particular
vendor or contractor.
✔✔Which statement best describes the RCCAM?
a. It has five members appointed by the governor and confirmed by the Florida House of
Representatives.
b. It must have five members that have been licensed CAMs for at least seven years.
c. It must have two members who are residents of Florida and know nothing about
community associations.
d. It has seven members who serve four year terms, or until another person is
appointed to fill their seat. - ✔✔d. It has seven members who serve four year terms, or
until another person is appointed to fill their seat.
✔✔Lucia Gonzalez is the onsite CAM for Caladium Heights Condominium. It recently
had an election, and the new directors decided to move accounts to Palatka Community
Bank. Lucia has picked up the bank package, in which she finds a debit card. What
should Lucia do?
a. Should ask for three debit cards, one each for the president, maintenance supervisor,
and treasurer
b. Should decline the debit card and explain that the Condominium Act prohibits CAMs
or employees of CABs, or officers or directors of the association from using debit cards
in the name of the association
c. Should ask that only a single debit card be issued, in the name of the maintenance
supervisor, as directors, officers, and the manager are prohibited by statute from using
debit cards
d. Should request that a limit of $1,000 be placed on the debit card, as this is the
amount that the president or manager can authorize without board approval. - ✔✔b.
Should decline the debit card and explain that the Condominium Act prohibits CAMs or
employees of CABs, or officers or directors of the association from using debit cards in
the name of the association
, ✔✔What is duty of loyalty?
a. It is similar to prudent business judgment in that it is assumed that the CAM exercises
the skill and care that a reasonable person would exercise under the same or similar
circumstances.
b. It is similar to fiduciary responsibility in that it is assumed that the CAM will act only in
the community association's best interest when handling its affairs. c. It is similar to
prudent judgment in that it is assumed that the CAM does as they are instructed by the
board.
d. It is similar to personal responsibility in that it is assumed that the CAM will act only in
their own best interest. - ✔✔b. It is similar to fiduciary responsibility in that it is assumed
that the CAM will act only in the community association's best interest when handling its
affairs.
✔✔You are the manager of the Ochoa Horizons Cooperative that recently terminated its
contract with Delta Management. You have sent a letter to Delta requesting that it return
all association records to Ochoa Horizons. Within what timeframe must Delta return the
records?
a. Delta has 20 days after it receives the written notice to return all records.
b. Delta has 10 business days after it receives the written notice to return all records
except those necessary to complete an ending financial report.
c. Delta has not received its last payment from Ochoa, and, therefore, can withhold
records until the payment is received.
d. Associations are expected to maintain a copy of all records on property, separately
from a CAM/CAB. Therefore, Ochoa must pay Delta for copying any records it wishes. -
✔✔b. Delta has 10 business days after it receives the written notice to return all records
except those necessary to complete an ending financial report.
✔✔What determines how a given parcel of land may be used?
a. The site plan
b. Zoning regulations
c. The developer's filing document
d. The community development master plan - ✔✔b. Zoning regulations
✔✔All of the following are true regarding the creation of a community association,
EXCEPT:
a. It is created when a developer files the required legal documents with the applicable
legal entity.
b. The legal documents filed by the developer identifies a specific property as a specific
type of community association.
c. The community association must be incorporated.
