31. A real estate broker’s or agent’s certificate is suspended by operation of law if, when presented for payment, the cheque or other bill of exchange remitted by the certificate holder to pay the fees provided for in Chapter I of the By-law respecting chargeable fees and specialist titles of the Association des courtiers et agents immobiliers du Québec (or the contribution to the Fonds d’indemnisation provided for in Chapter V of the Regulation respecting the application of the Real Estate Brokerage Act (chapter C-73.1, r. 1) is returned by the financial institution on which it was drawn.