Free FINRA SIE (Securities Industry Essentials) Limits and Thresholds Sheet (2026)
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All SIE Limits
SIE Limits and Thresholds
Knowledge of Capital Markets
4 items
An accredited investor needs $200,000 income ($300,000 joint) or $1M net worth excluding primary residence.
FDIC insures bank deposits up to $250,000 per depositor, per insured bank, per ownership category.
Regulation A Tier 2 permits exempt offerings up to $75M over 12 months.
SIPC covers $500,000 per customer at a failed broker-dealer, with a $250,000 cash sub-limit.
Understanding Products and Their Risks
8 items
Rights typically expire in 30-45 days with strikes below market, while warrants last 5+ years with strikes above market at issue.
T-notes mature in 2, 3, 5, 7, and 10 years, while T-bonds mature in 20 and 30 years.
Commercial paper has a maximum maturity of 270 days, and negotiable CDs require a $100,000 minimum.
Investment grade ends at BBB- (S&P/Fitch) or Baa3 (Moody's); anything below is high-yield or junk.
A REIT must distribute at least 90% of taxable income and invest at least 75% of assets in real estate to retain pass-through tax status.
One standard equity option contract covers 100 shares, and open-end mutual fund NAV is calculated once daily after the 4:00 PM ET market close.
A 529 donor may front-load $90,000 via 5-year gift-tax averaging using the annual exclusion of $18,000 per donor.
FINRA's maximum mutual fund sales load is 8.5%, and total 12b-1 fees must stay at or below 0.25% for a fund to call itself "no-load."
Understanding Trading, Customer Accounts and Prohibited Activities
4 items
Reg T initial margin is 50%, FINRA maintenance is 25% long and 30% short, with minimum equity of $2,000 to open.
Traditional IRA RMDs begin at age 73 under SECURE 2.0, and early withdrawals before age 59½ trigger a 10% penalty plus tax.
CIP records must be retained for 5 years after account closure and must include name, DOB, physical address, and SSN/ID number.
CTRs must be filed within 15 days for cash over $10,000, while SARs must be filed within 30 days of detection (60 days if no suspect).
Overview of the Regulatory Framework
4 items
FINRA Rule 3220 caps business gifts at $100 per person per year, and freeriding triggers a 90-day cash-account freeze.
Under SEC Rule 17a-4, broker-dealer records are retained for 6 years, with the first 2 years readily accessible.
FINRA Rule 2165 permits a temporary hold of 15 business days on a senior's disbursement, extendable by 10, for 25 maximum.
Insider trading civil penalties reach treble damages and criminal penalties reach 20 years imprisonment with $5M individual / $25M entity fines.