What ships
Your workspace starts with twelve policies covering what FINRA 2210 and the SEC Marketing Rule care about:
| Policy | Catches |
|---|---|
| Guarantees and promises of results | Promising returns, "risk free", "can't lose" |
| Performance claims and projections | Returns, yields and projections without balance |
| Missing risk disclosure | A claim or pitch with no balancing statement near it |
| Specific securities and tips | Buy/sell recommendations, hot tips |
| Suitability and pressure | Urgency, concentration, borrowing to invest |
| Off-channel communication | WhatsApp, Telegram, personal email or phone |
| Conflicts, credentials and independence | Undisclosed commissions, misstated titles |
| Client complaints | Dissatisfaction or alleged loss, however well handled |
| Inside information | Material non-public information, insider tips |
| Fees and costs misstated | "No fees", understated costs or surrender charges |
| Testimonials and endorsements | Success stories without the required disclosures |
| Gifts, rebates and side deals | Kickbacks, referral payments, off-the-books arrangements |
Each is rated high or medium severity, and each can be turned off if it doesn't apply to your firm.
Missing risk disclosure works differently from the rest. It flags the absence of something, so it marks the claim the disclosure should have accompanied rather than any particular words.