SEC Broker-Dealer Financial Responsibility & Customer Protection
SEC net capital, customer protection reserve and custody, books and records, financial reporting and early-warning rules for carrying broker-dealers, with SIPA membership and SIPC disclosure.
- Issued by
- US Securities and Exchange Commission / SIPC
- Applies in
- United States
- Edition
- eCFR 24 Sep 2026; daily reserve computation from 30 June 2026
- Area
- Conduct & prudential
What an assessor reads first.
The headline requirements in Amoreg’s catalogue, in the issuer’s own numbering where it has one. They are where a review starts, not a transcription of the text.
- 15c3-1Maintain minimum net capital at all times, computed daily with prescribed haircutsCapital
- 15c3-3(b)Obtain and keep possession or control of fully paid and excess margin securitiesCustomer protection
- 15c3-3(e)Compute the customer and PAB reserve formula and fund the reserve bank account (daily for $500m+ average credits)Customer protection
- 17a-3/17a-4Make and preserve required records, using an audit-trail or WORM electronic recordkeeping systemBooks and records
- 17a-5File FOCUS Reports, and audited annual reports with the compliance or exemption report on EDGARReporting
- 17a-11Give early-warning notice of net capital, books-and-records or material weakness eventsReporting
- 4110/4120Curtail business and notify FINRA when capital early-warning thresholds are breachedCapital
- SIPA/2266Maintain SIPC membership and assessments, and give customers SIPC information at opening and annuallyInvestor protection
How Amoreg keeps you on it.
Enable the SEC Broker-Dealer Financial Responsibility & Customer Protection and add US Securities and Exchange Commission / SIPC’s pages as a monitor of your own. Every publication it records keeps its source, stage and date.
Inspector reads your policies against these 8 requirements every week and opens a finding wherever one falls short, citing the rule and drafting the fix. A person decides what is applied.
Each week
- Read US Securities and Exchange Commission / SIPC’s pages
- Check the library against 8 requirements
- Open findings with drafted fixes
- Wait for a person to decide
Policy does not yet set out: maintain minimum net capital at all times, computed daily with prescribed haircuts
- Rule
- SEC Broker-Dealer Financial Responsibility & Customer Protection, 15c3-1
- Area
- Capital
- Proposed by
- Inspector
- Decided by
- A named person, once reviewed
The same ground, elsewhere.
- Senior Managers & Certification RegimeIndividual accountability: senior manager responsibilities, certification and conduct rules.United Kingdom · 5 controls
- FCA Consumer DutyThe Consumer Principle, cross-cutting rules and four outcomes for retail customers.United Kingdom · 6 controls
- FCA Handbook — SYSC (Senior Management Arrangements, Systems and Controls)Governance, compliance, risk control, internal audit, record keeping and financial crime systems and controls.United Kingdom · 6 controls
- FCA Handbook — COBS (Conduct of Business)Conduct of business rules for investment business: client categorisation, suitability, disclosure, best execution.United Kingdom · 6 controls
- MiFID II / MiFIRInvestor protection, product governance, transparency and transaction reporting for investment firms.European Union · 6 controls
- PRA Rulebook — Fundamental RulesThe eight fundamental rules for PRA-authorised banks, insurers and designated investment firms.United Kingdom · 6 controls
Also in United States
- US Bank Secrecy Act / FinCEN AML ProgramBSA AML programme requirements: the pillars, CDD rule, SAR/CTR reporting and beneficial ownership.United States · 6 controls
- OFAC Sanctions Compliance ProgramThe five essential components of an effective sanctions compliance programme.United States · 5 controls
- US Foreign Corrupt Practices ActAnti-bribery and books-and-records provisions, assessed against the DOJ's Evaluation of Corporate Compliance Programs.United States · 4 controls
- GLBA Safeguards RuleThe information security programme financial institutions must maintain for customer information.United States · 5 controls
- NIST Cybersecurity Framework 2.0Six functions for managing cybersecurity risk, now including Govern.United States / Global · 6 controls
- NYDFS Cybersecurity Regulation (23 NYCRR 500)Cybersecurity requirements for DFS-licensed entities, with CISO, MFA, annual certification and 72-hour notice.United States — New York · 6 controls
Questions
Does Amoreg watch for changes to the SEC Broker-Dealer Financial Responsibility & Customer Protection?
Enable it and add the issuer’s pages as a monitor of your own. Every publication the Monitor records keeps its source, stage and date.
Can Amoreg check our policies against the SEC Broker-Dealer Financial Responsibility & Customer Protection?
Yes. Inspector reads your library against its requirements every week and opens a finding, with the rule it cites and a proposed fix, wherever a policy falls short. A person decides what is applied.
Which edition does Amoreg use?
The catalogue records eCFR 24 Sep 2026; daily reserve computation from 30 June 2026. Editions were last verified in August 2026, and the Monitor records new publications as they appear.