Which of the following actions would violate ethical practice in real estate?

Commingling client funds violates ethical practice in real estate because it involves mixing a client’s funds with the agent's personal or business funds. This is strictly prohibited by law and ethical guidelines as it compromises the integrity of client funds and can lead to mismanagement or misuse. Maintaining a clear separation between client funds and an agent's funds is crucial for ensuring accountability and trust in the financial aspects of real estate transactions.

The other actions, such as providing detailed market analysis, timely communication with clients, and adjusting commissions privately, either conform to ethical standards or can fall within allowable practices when done transparently and in accordance with legal requirements. Providing thorough market analysis and maintaining timely communication are essential components of professional service in real estate. Adjusting commissions may be permissible as long as it is done openly and in agreement with all parties involved, adhering to any local regulations that govern such practices.