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Florida Bail Bonds/Limited Surety study materials
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Florida Bail Bonds/Limited Surety practice questions

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Question 1Florida Statutes and Department Rules Governing Bail Bonds

Which chapter of the Florida Statutes principally governs the licensing and conduct of bail bond agents?

  1. Chapter 648 Correct answer.
  2. Chapter 626
  3. Chapter 903
  4. Chapter 440

Explanation

Chapter 648, F.S., is titled "Bail Bond Agents" and contains the licensing, appointment, and conduct requirements for bail bond agents and bail bond agencies. It is administered by the Department of Financial Services.

Question 2Florida Statutes and Department Rules Governing Bail Bonds

Which entity issues and renews bail bond agent licenses in Florida?

  1. The Office of the State Courts Administrator
  2. The Department of Financial Services Correct answer.
  3. The Florida Department of Law Enforcement
  4. The sheriff of the licensee's county of residence

Explanation

Bail bond agents are licensed, appointed, and disciplined by the Department of Financial Services through its Division of Agent and Agency Services. No court or sheriff issues the license.

Question 3Florida Statutes and Department Rules Governing Bail Bonds

The Florida license that authorizes a person to write bail bonds is known as a:

  1. limited surety agent license Correct answer.
  2. personal lines agent license
  3. general lines agent license
  4. bail enforcement agent license

Explanation

Florida issues a limited surety agent license to persons who write bail bonds, and a person holding that license who executes bonds is referred to as a bail bond agent. The license is limited to bail bond business.

Question 4Florida Statutes and Department Rules Governing Bail Bonds

Under Florida law, the maximum premium a bail bond agent may charge for a criminal surety bail bond is:

  1. 8 percent of the bond amount
  2. 12 percent of the bond amount
  3. 5 percent of the bond amount
  4. 10 percent of the bond amount Correct answer.

Explanation

Florida caps the premium for a criminal surety bail bond at 10 percent of the face amount of the bond. Charging more than the allowed rate is a prohibited act subject to discipline.

Question 5Florida Statutes and Department Rules Governing Bail Bonds

What is the minimum age for an applicant for a Florida bail bond agent license?

  1. 21 years of age
  2. 18 years of age Correct answer.
  3. 16 years of age
  4. 19 years of age

Explanation

An applicant must be a natural person at least 18 years of age, in addition to meeting the other licensure requirements of Chapter 648, F.S.

Question 6Florida Statutes and Department Rules Governing Bail Bonds

Who appoints a licensed bail bond agent to write bonds on its behalf?

  1. The chief judge of the circuit
  2. The Department of Financial Services
  3. The insurer that will issue the bonds Correct answer.
  4. The sheriff of each county where the agent writes bonds

Explanation

A bail bond agent must be appointed by the surety insurer whose bonds the agent executes, and the appointment is filed with the Department. The Department licenses the agent but does not appoint the agent for an insurer.

Question 7Florida Statutes and Department Rules Governing Bail Bonds

Florida requires bail bond agent applicants to complete a basic certification course of at least:

  1. 40 hours
  2. 120 hours Correct answer.
  3. 200 hours
  4. 80 hours

Explanation

Applicants must complete a basic certification course of at least 120 hours covering the criminal justice system and bail bond practice before licensure.

Question 8Florida Statutes and Department Rules Governing Bail Bonds

Which action by a bail bond agent is prohibited under Florida law?

  1. Advertising bond services in a newspaper
  2. Soliciting bail bond business from arrestees inside a jail or detention facility Correct answer.
  3. Giving a client a written receipt for collateral
  4. Maintaining an office across the street from the courthouse

Explanation

Florida prohibits soliciting bail bond business in jails and other places where arrested persons are held; this restriction targets "running" and improper solicitation. Lawful advertising, office location, and receipting collateral are all permitted.

Question 9Florida Statutes and Department Rules Governing Bail Bonds

An applicant who has been convicted of a felony may be licensed as a bail bond agent only if:

  1. the sheriff of the applicant's county approves the application
  2. the conviction occurred more than 5 years ago
  3. the applicant's civil rights have been restored Correct answer.
  4. the applicant pays a higher license fee

Explanation

A felony conviction disqualifies an applicant unless the applicant's civil rights have been restored, and the Department still reviews the application against all other requirements. There is no automatic time-based clearance.

Question 10Florida Statutes and Department Rules Governing Bail Bonds

Bail bond agents must keep their business records available for Department inspection and retain them for at least:

  1. 3 years Correct answer.
  2. 7 years
  3. 1 year
  4. 5 years

Explanation

Department rules require a bail bond agent to maintain records of bonds and transactions and to retain them for at least three years so they can be inspected during an examination.

Question 11Florida Statutes and Department Rules Governing Bail Bonds

Before a bond is forfeited, a bail bond agent who wishes to surrender the principal may:

  1. deliver a certified copy of the bond to the sheriff and take the principal into custody Correct answer.
  2. ask the clerk of court to issue an arrest warrant
  3. act only with a court order signed by the judge
  4. wait until the state attorney files a motion

Explanation

The surety and its bail bond agent retain the right to surrender the principal before forfeiture; the agent delivers a certified copy of the bond to the sheriff and takes the principal into custody. No court order or warrant is required for the surrender.

Question 12Florida Statutes and Department Rules Governing Bail Bonds

After the court declares a bond forfeiture, the surety must pay the amount of the bond within:

  1. 30 days
  2. 90 days
  3. 15 days
  4. 60 days Correct answer.

Explanation

Under Florida's forfeiture statutes the surety has 60 days after the forfeiture to pay the bond or produce the defendant before judgment is entered on the forfeiture.

Question 13Florida Statutes and Department Rules Governing Bail Bonds

When a bail bond agent accepts collateral from a client, the agent must:

  1. convert the collateral to cash within 24 hours
  2. give the client a signed written receipt identifying the collateral Correct answer.
  3. deposit the collateral with the clerk of court
  4. hold the collateral without documentation if the client agrees

Explanation

An agent who takes collateral must give the client a written, signed receipt describing the collateral and must account for the collateral and return it when the bond is exonerated.

Question 14Florida Statutes and Department Rules Governing Bail Bonds

A bail bond business that transacts business from two separate office locations in Florida must:

  1. obtain a separate bail bond agency license for each location Correct answer.
  2. obtain one agency license and list both addresses on it
  3. operate only from an address approved by the sheriff
  4. register the second office with the clerk of court

Explanation

Bail bond agencies are licensed by the Department, and each business location where bail bond business is transacted must hold its own agency license. A single license does not cover multiple locations.

Question 15Florida Statutes and Department Rules Governing Bail Bonds

A licensed bail bond agent who pays an unlicensed person to solicit bond customers on the agent's behalf:

  1. may do so only in counties with populations over 500,000
  2. may do so if the person is a family member
  3. may do so if the payment is a flat fee
  4. is committing a prohibited act subject to license discipline Correct answer.

Explanation

Paying anything of value to an unlicensed person to solicit bail bond business is a prohibited act; using runners exposes both the runner and the licensed agent to administrative and criminal consequences.

Question 16Florida Statutes and Department Rules Governing Bail Bonds

A bail bond agent may not wear a badge, uniform, or insignia that:

  1. would lead a reasonable person to believe the wearer is a law enforcement officer Correct answer.
  2. bears the agency's trade name
  3. displays the agent's license number
  4. matches the colors used in the agency's advertising

Explanation

Florida prohibits bail bond agents from using badges, uniforms, or insignia that could make a reasonable person believe the wearer is a law enforcement officer. The purpose is to prevent confusion between bondsmen and public officers.

Question 17Florida Statutes and Department Rules Governing Bail Bonds

A licensed bail bond agent may execute bail bonds only while:

  1. holding a current appointment filed by an insurer with the Department Correct answer.
  2. carrying a certified copy of a court order
  3. registered with the clerk of the circuit court
  4. approved by the chief judge of the circuit

Explanation

A license alone is not enough; the agent must have an appointment with an insurer in effect and on file with the Department before executing bonds for that insurer. Acting without a current appointment is a violation.

Question 18Florida Statutes and Department Rules Governing Bail Bonds

A Florida bail bond agent license must be renewed:

  1. every year
  2. every 2 years Correct answer.
  3. every 3 years
  4. every 5 years

Explanation

Florida agent licenses, including the limited surety (bail bond) license, are renewed on a biennial basis, subject to the Department's renewal requirements. Failing to renew means the person may no longer act as a bail bond agent.

Question 19Florida Statutes and Department Rules Governing Bail Bonds

A bail bond agent may not recommend a particular attorney to a client and accept payment from that attorney, because:

  1. the agent must recommend the public defender instead
  2. accepting compensation for an attorney referral is a prohibited act Correct answer.
  3. the client must select an attorney through the court
  4. attorneys may never represent criminal defendants who are on bond

Explanation

Chapter 648, F.S., prohibits a bail bond agent from suggesting or procuring the employment of an attorney and from accepting compensation for such a referral. The prohibition prevents conflicts of interest in the bail process.

Question 20Florida Statutes and Department Rules Governing Bail Bonds

Under Florida law, a bail bond business whose advertising implies a connection with a law enforcement agency:

  1. is permitted if the advertisement also lists the license number
  2. is committing a prohibited act subject to license discipline Correct answer.
  3. is permitted in counties with a population under 50,000
  4. must first obtain written approval from the sheriff

Explanation

A bail bond agent may not use a name, sign, or advertisement that implies the business is a law enforcement agency or is connected with a government agency. Doing so is a prohibited act and a ground for disciplinary action.

Question 21Florida Statutes and Department Rules Governing Bail Bonds

A bail bond agent writes a $20,000 criminal surety bond and collects a $2,500 premium. Under Florida's statutory maximum rate, the agent:

  1. has charged exactly the maximum rate
  2. has undercharged under a 15 percent rate
  3. may keep the full amount as agreed
  4. has overcharged by $500 Correct answer.

Explanation

The maximum premium is 10 percent of the bond amount, which is $2,000 on a $20,000 bond. Collecting $2,500 exceeds the cap by $500 and is a prohibited act, even if the client agreed to pay it.

Question 22Florida Statutes and Department Rules Governing Bail Bonds

A licensed bail bond agent allows an unlicensed friend to sign bonds in the agency office using the agent's power of attorney. What is the legal result?

  1. Nothing, if the agent reviews each bond afterward
  2. The arrangement is lawful if the friend is a notary public
  3. The arrangement is lawful because the power of attorney belongs to the agency
  4. The friend is engaged in unlicensed activity and the agent is subject to discipline Correct answer.

Explanation

Only a licensed and appointed bail bond agent may execute bail bonds; a power of attorney from the insurer cannot be loaned to an unlicensed person. The friend commits unlicensed activity, and the agent faces disciplinary action for permitting it.

Question 23Florida Statutes and Department Rules Governing Bail Bonds

Under Florida's remission statute, the court may remit a bond forfeiture when the defendant is surrendered or apprehended within:

  1. 90 days after the forfeiture
  2. 2 years after the forfeiture Correct answer.
  3. 18 months after the forfeiture
  4. 1 year after the forfeiture

Explanation

Section 903.28, F.S., permits the court to remit all or part of a forfeiture when the defendant is surrendered or apprehended within two years after the forfeiture, with the amount of remission governed by a statutory schedule. The 60-day payment period and the two-year remission window are separate concepts.

Question 24Florida Statutes and Department Rules Governing Bail Bonds

Which of the following is a ground on which the Department may take disciplinary action against a bail bond agent's license?

  1. Charging no more than the maximum permitted premium
  2. Transacting business from one licensed location
  3. Knowingly executing bail bonds while the license is suspended Correct answer.
  4. Being appointed by a single insurer

Explanation

Executing bonds while the license is suspended is unlicensed activity and a ground for disciplinary action, which may include suspension, revocation, or fines. The other listed conduct is lawful under Chapter 648, F.S.

Question 25Florida Statutes and Department Rules Governing Bail Bonds

The Department of Financial Services' rules specifically governing bail bond agents are found in which chapter of the Florida Administrative Code?

  1. Rule Chapter 33-208
  2. Rule Chapter 69B-221 Correct answer.
  3. Rule Chapter 69V-40
  4. Rule Chapter 62-330

Explanation

Rule Chapter 69B-221, F.A.C., contains the Department's bail bond agent rules, addressing matters such as licensing, records, and advertising. These rules implement Chapter 648, F.S.

Question 26Florida Statutes and Department Rules Governing Bail Bonds

Which chapter of the Florida Statutes contains the laws that specifically govern bail bond agents?

  1. Chapter 624
  2. Chapter 626
  3. Chapter 493
  4. Chapter 648 Correct answer.

Explanation

Chapter 648, F.S., is the 'Bail Bond Agents' chapter and contains the licensing, appointment, conduct, and enforcement provisions specific to bail bond agents. Chapters 624 and 626 are general insurance code provisions, and chapter 493 regulates private investigation, recovery, and security services.

Question 27Florida Statutes and Department Rules Governing Bail Bonds

Which Florida agency issues bail bond agent licenses and enforces the state's bail bond laws?

  1. The Department of Business and Professional Regulation
  2. The Department of Law Enforcement
  3. The Department of Financial Services Correct answer.
  4. The Office of the State Courts Administrator

Explanation

Bail bond agents are licensed and regulated by the Florida Department of Financial Services through its Division of Agent and Agency Services. The Department files appointments, examines records, and brings administrative action for violations of chapter 648, F.S.

Question 28Florida Statutes and Department Rules Governing Bail Bonds

What is the minimum age at which a person may be licensed as a bail bond agent in Florida?

  1. 25 years of age
  2. 21 years of age
  3. 18 years of age Correct answer.
  4. 19 years of age

Explanation

Chapter 648, F.S., requires an applicant for a bail bond agent license to be at least 18 years of age. The applicant must also satisfy the education, prelicensing course, examination, and character requirements.

Question 29Florida Statutes and Department Rules Governing Bail Bonds

Which educational credential satisfies the statutory requirement for a bail bond agent applicant?

  1. A high school diploma or its equivalent Correct answer.
  2. An associate degree
  3. A bachelor's degree
  4. Sixty semester hours of college credit

Explanation

The statute requires a high school diploma or its recognized equivalent, such as a GED. No college degree or college credit hours are required for licensure.

Question 30Florida Statutes and Department Rules Governing Bail Bonds

A criminal bail bond in which an insurer guarantees the defendant's appearance and the defendant pays a nonrefundable premium is best described as:

  1. A property bond
  2. A cash bond
  3. A surety bond Correct answer.
  4. A recognizance release

Explanation

A surety bail bond is backed by an insurer's promise to pay the bond amount if the defendant fails to appear, in exchange for a premium. Cash and property bonds involve deposits with the court, and a recognizance release requires no financial security.

Question 31Florida Statutes and Department Rules Governing Bail Bonds

Which of the following activities is prohibited for a Florida bail bond agent?

  1. Soliciting business inside a jail or courthouse Correct answer.
  2. Requiring a cosigner to sign an indemnity agreement
  3. Writing a bail bond after regular business hours
  4. Charging the maximum premium permitted by statute

Explanation

Chapter 648, F.S., bars bail bond agents from soliciting business in jails, courthouses, and similar places where persons are detained, to prevent pressure on arrestees. Writing bonds at any hour, charging the authorized premium, and requiring a cosigner are not prohibited.

Question 32Florida Statutes and Department Rules Governing Bail Bonds

What document gives a bail bond agent the authority to execute bonds on an insurer's behalf?

  1. A license endorsement
  2. A certificate of authority
  3. A power of attorney Correct answer.
  4. A letter of credit

Explanation

The surety issues each appointed bail bond agent a power of attorney that defines the agent's authority, including the maximum bond the agent may write. A certificate of authority is issued to the insurer to transact business in Florida.

Question 33Florida Statutes and Department Rules Governing Bail Bonds

In a criminal bail bond, the defendant whose appearance is guaranteed is referred to as the:

  1. Principal Correct answer.
  2. Surety
  3. Indemnitor
  4. Obligee

Explanation

The defendant is the principal on the bond, meaning the person whose appearance is guaranteed. The surety is the insurer backing the bond, the obligee is the court or governmental entity, and an indemnitor agrees to reimburse the surety.

Question 34Florida Statutes and Department Rules Governing Bail Bonds

Which of the following must an applicant for a bail bond agent license submit for a criminal history check?

  1. A set of fingerprints Correct answer.
  2. Copies of the applicant's tax returns
  3. A credit report from a licensed agency
  4. Three letters of character reference

Explanation

Applicants must be fingerprinted so a state and national criminal history record check can be completed before licensure. The results are used to determine whether the applicant satisfies the statutory character requirements.

Question 35Florida Statutes and Department Rules Governing Bail Bonds

An insurer wants its bail bonds written in Florida through licensed bail bond agents. Before the insurer's bonds may lawfully be executed in the state, the insurer must:

  1. Obtain the approval of the chief judge in every county
  2. Be authorized to transact surety business in Florida Correct answer.
  3. Hire a licensed bail recovery agent for each agency
  4. Open an office in each judicial circuit

Explanation

A bail bond is only valid if the insurer backing it is authorized to transact surety business in Florida or is otherwise permitted to do business in the state. The insurer's authorization is distinct from the agent's license and appointment.

Question 36Florida Statutes and Department Rules Governing Bail Bonds

A bail bond agency holds a client's jewelry as collateral. The bond is discharged and the defendant's obligations are satisfied. The agency must:

  1. Transfer the jewelry to the surety as premium
  2. Keep the jewelry until the client pays a storage charge
  3. Sell the jewelry and remit the proceeds to the court
  4. Return the collateral to the person who deposited it Correct answer.

Explanation

Collateral secures the bond, and once the bond is discharged and the agency's exposure ends, the collateral must be returned to the depositor. The agency may not retain it as an additional charge or dispose of it.

Question 37Florida Statutes and Department Rules Governing Bail Bonds

A bail bond agent's power of attorney authorizes bonds up to $50,000. Without the surety's approval, she executes a $75,000 bond. Her action is:

  1. Proper, because the premium charged exceeds the statutory minimum
  2. Proper, because a licensed agent's authority is unlimited statewide
  3. A violation, because she exceeded her surety's authority Correct answer.
  4. Proper, if the defendant pledges real estate as collateral

Explanation

An agent's authority is limited by the power of attorney issued by the surety, and executing a bond above that limit exceeds the agent's authority in violation of chapter 648. Holding a license does not expand the authority the insurer has granted.

Question 38Florida Statutes and Department Rules Governing Bail Bonds

On a criminal bail bond, the obligee to whom the surety's promise is made is:

  1. The person who cosigned the indemnity agreement for the defendant
  2. The court requiring the defendant's appearance Correct answer.
  3. The bail bond agent who executes the bond
  4. The insurer's managing general agent

Explanation

The obligee is the state or the court that requires the defendant's appearance, and the bond is payable to that entity if the defendant fails to appear. The agent, the indemnitor, and the insurer's general agent are not obligees.

Question 39Florida Statutes and Department Rules Governing Bail Bonds

A defendant appears at every required court date and the criminal case is concluded. The surety's obligation under the bond is:

  1. Converted into a cash bond held by the clerk
  2. Transferred to any future bond the defendant may need
  3. Continued until the defendant pays the full premium balance
  4. Discharged, because the bond's condition was performed Correct answer.

Explanation

The surety's obligation is conditioned on the defendant's appearance, so performance of that condition discharges the surety. No continuing liability remains once the defendant has satisfied the bond's terms.

Question 40Florida Statutes and Department Rules Governing Bail Bonds

The core condition of a criminal surety bail bond is that the defendant will:

  1. Appear in court as required Correct answer.
  2. Pay the premium on the installment schedule agreed to
  3. Remain within the county at all times during the case
  4. Post additional collateral if the defendant is rearrested

Explanation

The bond obligates the surety to pay the bond amount if the defendant fails to appear as required, so the defendant's court appearances are the condition that discharges the surety. Travel restrictions, payment plans, and additional collateral are not conditions of the bond itself.

Question 41Florida Statutes and Department Rules Governing Bail Bonds

What is the main reason Florida prohibits bail bond agents from soliciting business inside jails and courthouses?

  1. To prevent coercion of arrestees in custody Correct answer.
  2. To limit competition among licensed agencies
  3. To ensure that the Department collects premium taxes
  4. To reduce the paperwork filed with the clerks of court

Explanation

The ban on solicitation inside detention facilities and courthouses prevents agents from pressuring arrestees at a vulnerable moment and keeps the court process free of commercial influence. The rule serves fairness and the integrity of the process, not revenue or competition goals.

Question 42Florida Statutes and Department Rules Governing Bail Bonds

A friend of the defendant signs an agreement promising to repay the surety for any loss caused by the defendant's nonappearance. This person is the:

  1. Obligee
  2. Power of attorney
  3. Indemnitor Correct answer.
  4. Principal

Explanation

An indemnitor, often a cosigner, agrees to reimburse the surety for losses on the bond. The defendant is the principal, the court is the obligee, and the power of attorney is the document granting the agent authority.

Question 43Florida Statutes and Department Rules Governing Bail Bonds

After an insurer appoints a licensed bail bond agent, where must the appointment be filed before the agent may act for the insurer?

  1. With the sheriff of the agent's home county
  2. With the Florida Supreme Court
  3. With the clerk of the circuit court for each county
  4. With the Department of Financial Services Correct answer.

Explanation

Appointments are filed with the Department of Financial Services, which records the insurer-agent relationship and the scope of the agent's authority. Court clerks and sheriffs do not administer agent appointments.

Question 44Florida Statutes and Department Rules Governing Bail Bonds

Under chapter 648, F.S., a business that transacts bail bond business in Florida must:

  1. Obtain a separate insurance license for each agent employed
  2. Register only as a corporation with the Department of State
  3. Be owned exclusively by a licensed attorney
  4. Hold a bail bond agency license issued by the Department Correct answer.

Explanation

A bail bond agency must be licensed by the Department in addition to employing individually licensed bail bond agents. Corporate registration with the state does not authorize a business to transact bail bond business.

Question 45Florida Statutes and Department Rules Governing Bail Bonds

A bail bond agent moves her business to a new address. She must:

  1. Obtain the chief judge's written consent
  2. Notify the Department of Financial Services Correct answer.
  3. Wait until her next biennial renewal to report the change
  4. Apply for a new bail bond agent license

Explanation

Licensees must keep the Department informed of their current business address so official notices and correspondence reach them. Failing to update the address can result in administrative action and missed deadlines.

Question 46Florida Statutes and Department Rules Governing Bail Bonds

An insurer terminates a bail bond agent's appointment. Which statement best describes the effect on the agent's authority?

  1. The agent may continue writing new bonds until the license expires
  2. The agent's license is automatically revoked by the Department
  3. No new bonds for that insurer; existing bonds remain valid Correct answer.
  4. All bonds the agent previously executed are automatically void

Explanation

Terminating the appointment ends the agent's authority to act for that insurer going forward, while bonds already executed remain obligations of the surety. The status of the agent's license is separate from any single appointment.

Question 47Florida Statutes and Department Rules Governing Bail Bonds

A bail bond agency hires an unlicensed office assistant. Which task may the assistant lawfully perform?

  1. Soliciting clients at the county jail
  2. Quoting premium rates and negotiating bond terms
  3. Filing records and answering the telephone Correct answer.
  4. Signing bonds as the agent's attorney-in-fact

Explanation

Unlicensed employees may perform clerical and administrative duties but may not do anything that constitutes acting as a bail bond agent, such as negotiating bonds, executing bonds, or soliciting business. The licensed agent must handle the bonding transaction itself.

Question 48Florida Statutes and Department Rules Governing Bail Bonds

A bail bond agent prepares a client's motion to reduce bond and advises the client on how to plead, charging a separate fee. This conduct is:

  1. Permitted, because bail bond agents complete a 120-hour course
  2. Prohibited only if the agent also posted the bond
  3. Permitted, because the client consented in writing
  4. Prohibited, as it is the unlicensed practice of law Correct answer.

Explanation

Preparing legal documents for another person and giving legal advice is the practice of law, which only licensed attorneys may perform. A bail bond agent's license authorizes bonding activity, not legal representation.

Question 49Florida Statutes and Department Rules Governing Bail Bonds

A bail bond agent holds current appointments from two insurers. A client needs a bond, and both insurers write that type of bond. The agent may:

  1. Write the bond only for the insurer that appointed her first
  2. Write the bond for a third insurer without an appointment if the premium is lower
  3. Write the bond for both insurers and split the risk
  4. Write the bond for either insurer using that insurer's power of attorney Correct answer.

Explanation

An agent may hold appointments from more than one insurer and may choose among the appointing insurers for a given bond, provided she uses the power of attorney and paperwork of the insurer selected. Writing for an insurer that has not appointed her is unlicensed activity.

Question 50Florida Statutes and Department Rules Governing Bail Bonds

A bail bond agent's advertisement states that she charges 'the lowest rates allowed by law,' although she actually charges the maximum premium permitted. The Department may:

  1. Take no action, because the agent's rates are legal
  2. Discipline the agent for false or misleading advertising Correct answer.
  3. Require the agent to refund premiums to every client
  4. Take no action, because commercial advertising is protected speech

Explanation

Bail bond advertising must be truthful, and an advertisement that misrepresents the agent's rates is false or misleading and supports administrative action. The legality of the rate actually charged does not cure the misleading statement.