compliance

Ensure investment advertising and marketing materials comply with SEC Marketing Rule and FINRA Rule 2210. Use when the user asks about performance advertising, showing backtested or hypothetical returns, net vs gross performance presentation, client testimonials or endorsements in marketing, social media posts by advisers or reps, third-party ratings in pitchbooks, or advertising recordkeeping. Also trigger when users mention 'can we show this track record', 'pitchbook compliance review', 'marketing rule violations', 'cherry-picking performance periods', 'predecessor performance portability', 'extracted performance', or ask whether a website, one-pager, or presentation needs compliance approval.

Determine when a product, platform, or communication crosses the regulatory line from education into investment advice requiring registration. Use when the user asks about the definition of investment advice under the Advisers Act, whether a fintech feature or AI chatbot constitutes advice, the publisher's exclusion for newsletters or model portfolios, broker-dealer solely incidental exclusion, what triggers a 'recommendation' under Reg BI, or DOL education vs advice safe harbors. Also trigger when users ask 'do I need to register as an investment adviser', 'does this app give investment advice', 'is this tool just education or advice', 'robo-adviser registration', or 'disclaimer language for financial content'.

Guide BSA/AML compliance program design and operation for broker-dealers, banks, and investment advisers. Use when the user asks about suspicious activity reports, currency transaction reports, OFAC screening, structuring detection, or FinCEN requirements. Also trigger when users mention 'large cash deposit', 'sanctions check', 'money laundering red flags', 'customer risk rating', 'unusual transaction patterns', 'wire to a foreign country', 'SDN list', 'tipping off a client about a SAR', 'AML audit', 'correspondent account due diligence', or ask whether a transaction needs to be reported.

Guide the design and maintenance of recordkeeping programs under SEC Rules 17a-3, 17a-4, and 204-2. Use when the user asks about document retention schedules, how long to keep trade records or customer complaints, WORM storage requirements, email or text message archiving, social media capture, BYOD compliance policies, or electronic storage audit trails. Also trigger when users mention 'we got an exam request for records', 'migrating to a new archiving vendor', 'blotter retention', 'order ticket requirements', 'off-channel communications', 'WhatsApp archiving', or ask how long specific records must be kept.

Guide the creation, content, and delivery of required client disclosure documents for investment advisers and broker-dealers. Use when the user asks about Form ADV Part 2A or 2B content, Form CRS requirements, prospectus delivery obligations, privacy notice delivery, trade confirmation timing, account statement distribution, or electronic vs paper delivery compliance. Also trigger when users mention 'onboarding document checklist', 'what disclosures do we owe new clients', 'annual brochure update', 'brochure supplement for a new adviser', 'CRS conversation starters', or ask when and how disclosure documents must be delivered.