How to Run a Client Trust Account Self-Audit Before Your CTAPP Review: The 12-Point Checklist That Saves California Firms $10K-$25K in 2026

California's State Bar started mandatory CTAPP compliance reviews in late 2025, and the selected firms pay $10,000-$25,000 out of pocket for a State Bar-approved CPA to perform the review. A clean self-audit is the cheapest defense. Here is the exact 12-point checklist your firm should run before the CTAPP letter ever lands.