A borrower believes that every agent is licensed and has the required education in real estate law and practice, he does not need to provide any training. I addition all of his agents are independent contractors. He provides only a handbook policies. One of the Brokers agents commits a fraud, but claims that he did not understand the situation due to a lack of training, blames the broker. The broker claims that it was the licensees responsibility to ask for brokers help if he was unsure about correct procedure. In this case, who will be subject to disciplinary action?

1. The agent and broker are both subject to discipline

2. The broker alone is subject to discipline for his failure to train his agent