it’s all hypotethical of course, but it wouldn’t take very long to file a complaint for $300 and make the agent hire a lawyer to defend or settle. Figure their comission on the sale is 15,000, settle for 3,000; cost of doing business?

I wouldn’t waste time filing a complaint with the licensing agency. maybe if more agents had to litigate smallish violations, they’d have a disincentive to participate in bribery.