CALIFORNIA (CA) CEMETERY BROKER EXAM
ACTUAL 2026/2027 COMPLETE APPROVED
QUESTIONS & ANSWERS Based on California
Cemetery Act (BPC §9600 et seq.) & Health and
Safety Code
Question 1
A couple walks into your office wanting to purchase two adjacent plots. They ask
if they can finance the purchase over 24 months. You are a licensed cemetery
broker. What must you do first?
A) Offer them a 12-month plan to close the sale faster
B) Provide a written disclosure of all financing terms, including interest rate, total
cost, and cancellation rights, in plain language
C) Accept a handshake and start monthly payments informally
D) Refer them to a bank without further explanation
Correct Answer: B
Rationale: A cemetery broker must ensure that any financing arrangement
complies with consumer protection laws, including full written disclosure of terms
before any money changes hands. This transparency is required under California
regulations to protect consumers from hidden fees and predatory lending practices .
Question 2
,A client calls you three days after signing a pre-need contract for a mausoleum
crypt. She says she has changed her mind. Under California law, what is her right?
A) She has no right to cancel because she signed a contract
B) She can cancel within 7 days for a full refund of any deposit
C) She can cancel only if she pays a 10% penalty
D) She can cancel only by sending a notarized letter within 24 hours
Correct Answer: B
Rationale: California's pre-need cemetery contract cooling-off period typically
allows cancellation within 7 days for a full refund, protecting consumers from
impulsive decisions. This right is mandated by the Cemetery and Funeral Bureau
regulations to ensure consumers have adequate time to reconsider significant
financial commitments .
Question 3
Which entity primarily regulates cemetery brokers in California?
A) California Department of Real Estate
B) California Cemetery and Funeral Bureau
C) California Department of Consumer Affairs (licensing only)
D) Federal Trade Commission
Correct Answer: B
Rationale: Cemetery brokers in California are regulated by the Cemetery and
Funeral Bureau (CFB), which operates under the Department of Consumer Affairs.
The Bureau oversees licensing, compliance, and consumer protection within
cemetery and funeral services, including brokers, salespersons, and managers .
,Question 4
According to the Cemetery Act (BPC §9604), what is the legal definition of a
cemetery broker?
A) A person who manages cemetery operations exclusively
B) A person who, other than in reference to an occasional sale, sells, buys, lists,
leases, or negotiates cemetery property or interment services for their own account
or for another
C) A funeral director who also sells burial plots
D) A person who only arranges cremations
Correct Answer: B
Rationale: California Business and Professions Code §9604 defines a cemetery
broker as a person who engages in the sale, purchase, listing, leasing, or
negotiation of cemetery property or interment services, excluding occasional sales,
either for their own account or for another party .
Question 5
What is the primary role of the California Cemetery and Funeral Bureau (CFB)?
A) To promote cemetery sales across the state
B) To regulate and license cemetery and funeral service professionals in California
C) To oversee only funeral homes and not cemeteries
D) To manage public health policies unrelated to cemeteries
Correct Answer: B
, Rationale: The CFB is responsible for regulating and licensing cemetery and
funeral service professionals, ensuring compliance with laws, and protecting
consumers. This includes cemetery brokers, salespersons, managers, crematory
managers, and funeral establishments .
Question 6
Which of the following best defines a cemetery salesperson under California law?
A) Any person who owns cemetery property
B) A natural person employed by a cemetery broker to sell cemetery property or
interment services
C) Any cemetery employee regardless of duties
D) A funeral director assistant
Correct Answer: B
Rationale: BPC §9605 defines a cemetery salesperson as a natural person
employed by a cemetery broker to sell, list, lease, or negotiate cemetery property
or interment services, excluding occasional sales. Salespersons are distinct from
brokers and must work under a licensed broker .
Question 7
A cemetery salesperson is reviewing disclosures for a pre-need cemetery plot.
Under CFB regulations, which statement must be explicitly stated before any
payment is accepted?
ACTUAL 2026/2027 COMPLETE APPROVED
QUESTIONS & ANSWERS Based on California
Cemetery Act (BPC §9600 et seq.) & Health and
Safety Code
Question 1
A couple walks into your office wanting to purchase two adjacent plots. They ask
if they can finance the purchase over 24 months. You are a licensed cemetery
broker. What must you do first?
A) Offer them a 12-month plan to close the sale faster
B) Provide a written disclosure of all financing terms, including interest rate, total
cost, and cancellation rights, in plain language
C) Accept a handshake and start monthly payments informally
D) Refer them to a bank without further explanation
Correct Answer: B
Rationale: A cemetery broker must ensure that any financing arrangement
complies with consumer protection laws, including full written disclosure of terms
before any money changes hands. This transparency is required under California
regulations to protect consumers from hidden fees and predatory lending practices .
Question 2
,A client calls you three days after signing a pre-need contract for a mausoleum
crypt. She says she has changed her mind. Under California law, what is her right?
A) She has no right to cancel because she signed a contract
B) She can cancel within 7 days for a full refund of any deposit
C) She can cancel only if she pays a 10% penalty
D) She can cancel only by sending a notarized letter within 24 hours
Correct Answer: B
Rationale: California's pre-need cemetery contract cooling-off period typically
allows cancellation within 7 days for a full refund, protecting consumers from
impulsive decisions. This right is mandated by the Cemetery and Funeral Bureau
regulations to ensure consumers have adequate time to reconsider significant
financial commitments .
Question 3
Which entity primarily regulates cemetery brokers in California?
A) California Department of Real Estate
B) California Cemetery and Funeral Bureau
C) California Department of Consumer Affairs (licensing only)
D) Federal Trade Commission
Correct Answer: B
Rationale: Cemetery brokers in California are regulated by the Cemetery and
Funeral Bureau (CFB), which operates under the Department of Consumer Affairs.
The Bureau oversees licensing, compliance, and consumer protection within
cemetery and funeral services, including brokers, salespersons, and managers .
,Question 4
According to the Cemetery Act (BPC §9604), what is the legal definition of a
cemetery broker?
A) A person who manages cemetery operations exclusively
B) A person who, other than in reference to an occasional sale, sells, buys, lists,
leases, or negotiates cemetery property or interment services for their own account
or for another
C) A funeral director who also sells burial plots
D) A person who only arranges cremations
Correct Answer: B
Rationale: California Business and Professions Code §9604 defines a cemetery
broker as a person who engages in the sale, purchase, listing, leasing, or
negotiation of cemetery property or interment services, excluding occasional sales,
either for their own account or for another party .
Question 5
What is the primary role of the California Cemetery and Funeral Bureau (CFB)?
A) To promote cemetery sales across the state
B) To regulate and license cemetery and funeral service professionals in California
C) To oversee only funeral homes and not cemeteries
D) To manage public health policies unrelated to cemeteries
Correct Answer: B
, Rationale: The CFB is responsible for regulating and licensing cemetery and
funeral service professionals, ensuring compliance with laws, and protecting
consumers. This includes cemetery brokers, salespersons, managers, crematory
managers, and funeral establishments .
Question 6
Which of the following best defines a cemetery salesperson under California law?
A) Any person who owns cemetery property
B) A natural person employed by a cemetery broker to sell cemetery property or
interment services
C) Any cemetery employee regardless of duties
D) A funeral director assistant
Correct Answer: B
Rationale: BPC §9605 defines a cemetery salesperson as a natural person
employed by a cemetery broker to sell, list, lease, or negotiate cemetery property
or interment services, excluding occasional sales. Salespersons are distinct from
brokers and must work under a licensed broker .
Question 7
A cemetery salesperson is reviewing disclosures for a pre-need cemetery plot.
Under CFB regulations, which statement must be explicitly stated before any
payment is accepted?
