ACATS Brokerage Nyefe wayo na-akwadoghị yana nchekwa nchekwa mmiri oke oke¶

Ịnata ozi-e akpaaka na-atụghị anya ya, ọkwa SMS ma ọ bụ ọkwa nzi ozi sitere na Fidelity, Vanguard, Charles Schwab, E * TRADE, Interactive Brokers, ma ọ bụ Merrill Edge na-ekwu "Anyị anatala arịrịọ ka ịnyefe akụ akaụntụ gị site na ACATS gaa na ụlọ ọrụ ọzọ", ma ọ bụ ịbanye n'ime Pọtụfoliyo itinye ego gị n'oge a na-ere ahịa dị nkọ. Ịre òkè gị ogologo oge na ala na-echeghị nkwụnye ego gị, bụ ihe mberede ego dị elu ebe ọtụtụ narị puku dollar na nchekwa ndụ na nkwụsịtụ ụtụ isi na-enweghị isi nwere ike ịla n'iyi n'ime awa 24 ruo 72 . Na ** ACATS Pull Fraud (mwakpo ohi njirimara na-eto ngwa ngwa dọrọ aka ná ntị megide ya na ** FINRA Regulatory Notice 20-32 na 23-06), ndị omempụ cyber adịghịdị mkpa mbanye aha njirimara, paswọọdụ, ma ọ bụ nkwenye ihe abụọ.2FA) nke akaụntụ ụlọ ahịa gị dị. Kama, na-eji Nọmba Nchebe ọha gị ezuru (SSN), ụbọchị ọmụmụ, yana otu izu ohi ma ọ bụ adịgboroja PDF nkwupụta ụgwọ ọnwa kwa ọnwa, onye wayo na-emepe akaụntụ nnabata ọhụrụ n'aha gị na ** nke abụọ, onye na-ere ahịa n'ịntanetị na-adịchaghị mfe (nke a na-emepe emepe).the Receiving Firm** ma nyefee mpempe akwụkwọ mbufe mbufe ** (TIF)** akpaghị aka site na ** National Securities Clearing Corporation (NSCC) Automated Customer Account Transfer Service (ACATS)** iji wepụ ngwaahịa gị, ETF, na Pọtụfoliyo ego gị na ezigbo ụlọ ahịa gị.the Carrying / Delivering Firm) n'ime ** 3 ụbọchị azụmahịa ***. Ọ bụrụ n’ịhụta mbufe ACATS na-akwadoghị ma ọ bụ chee ihu nbibi oke mmanye dị nso, mee ihe n'ime elekere mbụ, lelee mpaghara gị. nọmba mberede na hotline cybercrime gọọmenti etiti, ma nyochaa anyị cyberattack na ntuziaka ntu ohi njirimara, anyị na-echebe itinye ego n'oge ntuziaka mkpọka ahịa, na anyị ojoro mbufe waya na ntuziaka ncheta SWIFT.

Dị ka US Securities and Exchange Commission (SEC), FINRA, na Securities Investor Protection Corporation (SIPC) si kwuo, e debere usoro ACATS n'okpuru ** FINRA Rule 11870 ** maka ọsọ ka ndị na-etinye ego ziri ezi nwere ike ịgbanwe ndị na-ere ahịa na-enweghị esemokwu: ozugbo ụlọ ọrụ na-anata nyefere arịrịọ eletrọnịkị ACATS.Day 0), ụlọ ọrụ na-ebu gị dị nwere ** naanị otu ụbọchị azụmahịa (24 hours*** iji kwado ma ọ bụ mee mkpesa na arịrịọ ahụ, yana ** naanị ụbọchị azụmahịa 3 zuru ezu *** tupu ebufee akụkụ ngwaahịa ọ bụla na akaụntụ gị n'ofe ụlọ mkpochapụ na akaụntụ onye omempụ (where the thief immediately sells the shares, buys cryptocurrency or wires out the cash, and disappears). Ịmara otú ịkpọ gị na-ebu Firm's ** ACATS Operations / Fraud Desk ** n'oge ** 1-na-3-ụbọchị nkwado window ** ịbanye a ** FINRA Rule 11870 (d) Ahịa Mkpesa / ịjụ Code , otú na-achọ ** In-Kind Share Restoration na Tax-Lot Basis Reinstatement na-ama PC ma ọ bụrụ na navite eziokwu. Brokerage "Nkwado Nchekwa Ndị Ahịa", yana otu esi adị ndụ ** FINRA Rule 4210 Oku nleba anya ** site na ịhọrọ nza ụtụ isi dị elu tupu kọmpụta akpachapụta akaụntụ gị na-echebe akụ gị.

Mee nke a ugbu a¶

** Ọ bụrụ na ị nweta ọkwa mbufe ACATS ị nyeghị ikike: kpọọ ụlọ ọrụ nbinye ahịa aghụghọ na ụlọ ahịa nke dị ugbu a ozugbo (n'ime awa 1) wee gwa ha ka ha "JỤRỤ / KWESỊRỊ ACATS TIF n'ihi izu ohi njirimara."the Carrying Firm) achọrọ n'ụzọ iwu kwadoro ma ọ bụ wepụrụ arịrịọ ACATS na-abata n'ime ** 1 ụbọchị azụmahịa ** mgbe akwụkwọ mbufe mbufe (TIF) etinyere ya, ma nyefee ya zuru ezu na ** 3 ụbọchị azụmahịa ***. Ezipụla email ma ọ bụ tiketi nkwado nke na-anọdụ n'ahịrị maka awa 48. Kpọọ onye na-ere ahịa gị site na telifon ozugbo, jụọ maka ** Nchekwa Akaụntụ / Wayo & ACATS Nyefee Operations Desk **, ma gwa ha ka ha: (1) ** jụ / mee mkpesa maka mbufe ACATS na-echere na sistemụ NSCC , (2) ** Tinye ngwa ngwa "Mkpokọta Akụrụngwa Akụrụngwa / Mkpọchi" ozugbo na akaụntụ gị niile ** NS na (3) Kpọchapụ aha DCC ozugbo. Ọnụọgụ nke rogue "Receiving Firm" butere ndọpụta.
** Kpọọ Ngalaba Nkwekọrịta & Fraud nke "Receiving Firm" (ebe onye ohi meghere akaụntụ imposter n'aha gị) iji mee ka akaụntụ imposter kwụsị tupu onye ohi kọọ ma ọ bụ gbanwee akụ gị.typically 3 to 7 business days) tupu akaụntụ ọhụrụ enwee ike izipu na mpụga ***. Ozugbo ezigbo onye na-ere ahịa gị na-agwa gị nke ụlọ ọrụ nnata wetara mbak gị (dịka ọmụmaatụ, onye na-ere ahịa n'ịntanetị ọzọ ma ọ bụ ngwa azụmaahịa na-enyere aka crypto), kpọọ ụlọ ọrụ na-anata ** Fraud / AML Compliance Hotline *, kọwapụta na onye aghụghọ meghere akaụntụ site na iji SSN gị zuru, nye ha NSCC ACATS Control Number, ma kwụọ ụgwọ nkwụghachi ozugbo na F.ACATS Reclaim laghachi na ụlọ ọrụ na-ebu gị ziri ezi.
** Tinye akwụkwọ mkpesa FBI IC3 ozugbo, nkwupụta izu ohi FTC, mkpesa ndị uwe ojii, na mkpesa onye na-achụ ego FINRA iji kpọchie ikike mweghachi efu gị na ụtụ isi.IdentityTheft.gov*** iji tụgharịa aghụghọ ACATS edoziri ma weghachi mbak gị na-akwụghị gị ụgwọ maka mmegharị ahịa. Faịlụ na ic3.gov (FBI Internet Mpụ Mpụ Ụlọ Ọrụ), IdentityTheft.gov, ngalaba ndị uwe ojii mpaghara gị, yana finra.org/investors/need-help/file-a-complaint n'ụbọchị 1.
** Achọ "In-Kind Share & Original Cost-Basis Restoration" (anaghị anabata nkwụghachi ego dị mfe ma ọ bụrụ na onye ohi mebiri ebuka gị dị ala).* uru ego adịgboroja (Form 1099-B*** ma mebie ọnọdụ gị na-agbakọta. Arịrịọ na ide na ndị na-ere ahịa na-eleghara anya na-eme ** Mweghachi Akaụntụ Azụmaahịa Azụmaahịa / Njehie ** nke na-etinye ** ọnụ ọgụgụ nke mbak azụghachi na akaụntụ gị site na ụbọchị mbu mbu gị na ụtụ isi akwụghị ụgwọ**, ma gbochie aghụghọ ọ bụla. Form 1099-B ma ọ bụ Form 1099-R (ma ọ bụrụ na e wepụrụ IRA).
Gbanye "Mkpọchi mbufe ego / mkpọchi nchekwa" n'ofe akaụntụ ọ bụla ị nwere ugbu a. Ikwesị ntụkwasị obi (Money Transfer Lockdown), Charles Schwab, Vanguard, na E * TRADE na-enye ngbanwe nchekwa n'efu, onye ọrụ na-achịkwa n'ime ntọala nchekwa ịntanetị gị nke ** na-egbochi mbufe ACATS niile na-apụ apụ, waya na-apụ apụ na njikọ ụlọ akụ ACH ọhụrụ *** ọ gwụla ma ị jiri aka jiri 2FA mee ka ọ kpọghee ya. Ịkwado Mkpọchi mbufe na-akwụsị 100 pasent nke ACATS akpaaka na-adọta n'ọnụ ụzọ ámá.
** Ọ bụrụ na nsogbu gị bụ mmiri mmiri na-amanye oke mmanye (ọ bụghị aghụghọ): echerela "oge amara ụbọchị 3" aha ya na email gị; mejuo oku a ma ọ bụ jiri aka gị ree nza gị kachasị ọnụ taa Nkwekọrịta oke ọ bụla na-enye ndị na-ere ahịa ikike zuru oke nke iwu ** mebie mbak gị n'ime nkeji oge na-enweghị ọkwa mbụ *** ma ọ bụrụ na mgbanwe ahịa na-akwali nha nha gị n'okpuru ebe nchekwa ụlọ.typically 25% to 40%). Iji kwụsị kọmpụta nke onye na-ere ahịa ka ọ ghara ikpochapụ ndị ahịa gị kacha ochie, nke kachasị ọnụ ala (ịmepụta nnukwu ụgwọ ụtụ isi), ma ọ bụ ** ego waya (ọ bụghị ngwa ngwa ACH ụbọchị 3) ** taa ma ọ bụ ** jiri aka na-ere kpọmkwem "High-Cost-Basis / Tax-Loss Lots" (SpecID*** onwe gị tupu 02:00 Pm n'oge Eastern.

Kedu ihe kpatara aha njirimara ọkọlọtọ + okwuntughe + ngwa nyocha (2FA) enweghị ike ịkwụsị ọgụ ACATS

Ọtụtụ ndị na-etinye ego na-eche na n'ihi na ha na-eji paswọọdụ agwa 20 na igodo nchekwa ngwaike (YubiKey ma ọ bụ ngwa Authenticator) na nbanye Fidelity, Vanguard, ma ọ bụ Schwab, ọ nweghị onye ohi nwere ike imetụ ebuka ha aka. Mwakpo wayo ACATS anaghị abanye n'ime akaụntụ brokerage gị dị ugbu a ma ọlị. N'ihi na sistemụ NSCC ACATS bụ ** Pull System ** (dị ka ego ACH debit), ụlọ ọrụ brokerage nke abụọ malitere mbufe ya site na * n'èzí * ebe onye omempụ mepere akaụntụ ọhụrụ site na iji SSN gị zuru na akwụkwọ ikike ịnya ụgbọ ala adịgboroja. Ọ gwụla ma ịmeela ** Mkpọchi mbufe ACATS / Ego na-apụ apụ ** n'ime ntọala nchekwa ụlọ ahịa gị dị ugbu a, ma ọ bụ jide ma jụ ozi email akpaghị aka ma ọ bụ ozi SMS n'ime mpio nkwado elekere **24 ruo 72, kọmpụta gị dị ugbu a ga-ebupu Pọtụfoliyo gị niile n'ọnụ ụzọ azụ mgbe nbanye 2FA gị na-anọdụ ala.

Osisi mkpebi: Ịkwụsị aghụghọ ACATS n'enwetaghị ikike vs. ịlanarị oke mmiri nke oke mmanye¶

Jiri osisi nkesa ozugbo dabere ma ihe mberede ụlọ ahịa gị bụ ihe ndọta mbufe ACATS na-akwadoghị ma ọ bụ nnukwu oku mmezi.

flowchart TD
    Start["Nlegharị anya Brokerage ngwa ngwa: ọkwa mbufe ACATS na-akwadoghị ma ọ bụ oku nleba anya"] --> EmergencyType{"1. Kedu ihe mberede brokerage na-eme?"}

    EmergencyType -->|"NDỤMỌDỤ A: Arịrịọ mbufe ACATS na-akwadoghị / Pọtụfoliyo efu"| ACATSStage{"2A. Kedu ọnọdụ mbufe ACATS ugbu a?"}

    ACATSStage -->|"Ọnọdụ: 'Na-echere / Na nkwado / Nlebaanya' (Ụbọchị 0 ruo 3)"| StopACATS["INTERCEPT N'ime mpio elekere 24-72: 1. Kpọọ ndị na-ebu Broker's Fraud/ACATS Desk ozugbo 2. Kụziere onye nnọchi anya ka ọ jụ / mee mkpesa ACATS TIF (Iwu FINRA 11870) 3. Kwado 'Ego Nyefee Mkpọchi' na Akaụntụ niile & DTC. ha"]

    ACATSStage -->|"Ọnọdụ: 'Emechara / ewepụtara' (Mgbe ụbọchị 3 gasịrị)"| ReclaimACATS["POST-SETTLEMENT ACATS RECLAIM & FREEZE: 1. Nweta Aha Firm, DTC #, & NSCC Control # n'aka onye na-ere ahịa gị 2. Kpọọ Ụlọ Ọrụ Na-enweta Aghụghọ Aghụghọ/AML Dept ozugbo ka ọ tọhapụ akaụntụ imposter tupu ego akwụ ụgwọ 3. Faịlụ FBI IC3, FTC IdentityTheft.4. MKWAKWA NKE N'Ụdị & Mweghachi nke Akwụ ụgwọ + 1099-B/1099-R"]

    EmergencyType -->|"NDỤMỌDỤ B: Oku nleba anya ziri ezi / ịdọ aka ná ntị mmiri ara ehi amanye"| MarginTriage["2B. Ọkpụkpọ oku ozugbo (AKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWASỊAKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWỤKWALA 1. Ghọta FINRA Iwu 4210: Broker nwere ike ịgbasa taa na-echeghị maka imecha email 2. Lelee 'House Maintenance Excess / Deficit' dollar amount"]

    MarginTriage --> CanWire{"3B. Ị nwere ike izipu ego Fedwire otu ụbọchị ma ọ bụ bufee mbak na-enweghị ego taa?"}

    CanWire -->|"EE: Nwee ego n'èzí"| WireNow["WIRE CASH VIA SAME-DAY FEDWIRE (Ọ BỤGHỊ ACH): - Bido waya ụlọ akụ tupu elekere 02:00 ehihie ET cutoff - Kpọọ Desk Risk nke Broker's Margin Risk na Federal Reference # ka ha kwụsịtụ mmiri mmiri."]

    CanWire -->|"Mba: Ga-ererịrị mbak iji kpuchie oku"| ManualSpecID["Akwụkwọ ntuziaka 'SPECIFIED TAX LOT' (kpọmkwem) ire TAA: - Ekwela ka algọridim nke onye na-ere ahịa ere FIFO (nke kacha ochie, ọnụ ala-ọnụ ahịa-basis shares = nnukwu ụgwọ ụtụ isi) - Jiri aka gbanwee nza nhọrọ ka 'kpọpụta ọtụtụ / ọnụ ahịa kacha elu / ụtụ isi na-ewe ihe ubi nke ọma' - rere onwe gị 5-basis iji weghachi onwe gị 5% ma ọ bụ weghachi onwe gị 5% basis iji weghachi onwe gị."]

Kedu otu pipeline NSCC ACATS nke ụbọchị 3 si arụ ọrụ (na ebe ị nwere ike imebi agbụ aghụghọ)¶

N'okpuru ** FINRA Iwu 11870 (* Nkwekọrịta Nnyefe Akaụntụ Ndị Ahịa*)** yana iwu ụlọ ọrụ nchekwa nchekwa nke mba (NSCC), Nyefe Akaụntụ Ndị ahịa na-akpaghị aka na-esote usoro iheomume 4-akpaghị aka nke agbakọtara n'ime ụbọchị azụmaahịa 3.T+1 nkwado + T+2 nnyefe)**:

ACATS ogbo & usoro iheomume	Ihe na-eme n'azụ ihe nkiri	Kedu ọkwa ị na-enweta	Otu esi akwụsị ma ọ bụ tụgharịa aghụghọ ahụ n'oge a
Nkeji 1: Ntinye TIF (`Day 0`)	Onye omekome ahụ na-emepe akaụntụ ụgha n'aha gị (`matching SSN + Account Type`) na Broker B (Receiving Firm) ma bulite nkwupụta PDF zuru ezu/doctored na-egosi nọmba akaụntụ gị na Broker A (Na-ebu Firm). Broker B na-ebufe akwụkwọ eletrọnịkị Nyefee mbido (ụdị mmalite).`TIF`* banye n'ụlọ mkpochapụ NSCC ACATS.	Sistemụ akpaghị aka nke Broker A na-ewepụta ozi * * email, ngosi ngosi ma ọ bụ ọkwa SMS** (`"Transfer Out Request Received"`). (Rịba ama: Ọ bụrụ na onye hacker ahụ mebiekwa igbe ozi email gị wee tọọ nzacha akpaghị aka maka ozi sitere n'aka onye na-ere ahịa gị, ị gaghị ahụ email ahụ.)	Ọta Na-adịghị Apụ Apụ : Inwe * Nyefee Mkpọchi * na-eme ka kọmputa Broker A na-ajụ TIF na akpaghị aka na nke abụọ 1 ***.
Nkeji 2: Window nkwado nke awa 24 (`Business Day 1`)	N'okpuru ** FINRA Iwu 11870 (d) , Broker A nwere * 1 ụbọchị azụmahịa mgbe TIF natara ma ọ bụ kwado ọnọdụ akaụntụ ma ọ bụ tinye Ewepụghị / Koodu ịjụ * (`such as Account Frozen, Invalid SSN/Title, or Customer Protest`). Ozugbo enwetara ya, ebuka gị na Broker A bụ oyi kpọnwụrụ maka ịzụ ahịa mgbe ị na-eche mbufe.	Ọkwa gị n'ime ihe ngosi Broker A `"Frozen for ACATS Transfer"` ma ọ bụ `"Pending Outbound Transfer"`.	Kpọọ Broker A's ACATS/Desk Fraud ozugbo : Kụziere ha ka ha banye * Mkpesa aghụghọ / jụ ** n'ime ACATS tupu mpio nkwado emechi.
Nkeji 3: Nyochaa Nlebaanya tupu ebi ebi (`Business Day 2`)	NSCC na-agbakọ ndepụta akụ net ma kwado ụlọ ọrụ Depository Trust Company (`DTC`* Ntuziaka ntinye akwụkwọ.	Ụbọchị ikpeazụ tupu ihe onwunwe pụọ n'aka Broker A.	Onye isi oche mberede kwụsịrị *: Onye na-ahụ maka ọrụ ACATS Broker A ka nwere ike ịdọghachi azụ ma ọ bụ hichapụ ntuziaka mbufe tupu mmezi okirikiri abalị DTC ikpeazụ.
Nkeji 4: ACATS Ndozi & Jide Mbugharị Mbugharị (`Business Day 3 to Day 10`)	A na-ebunye ebuka gị na ego gị n'ụzọ eletrọnịkị na akaụntụ nnabata na Broker B . Ntụle gị na Broker A dara na `$0.00`* . Agbanyeghị, ọtụtụ ndị na-anata ụlọ ọrụ na-edobe nkwụghachi ụgwọ aghụghọ ụbọchị 3 ruo 7 nke azụmahịa ** na akụ ebufetara ACATS tupu ha ekwe ka wires ụlọ akụ dị na mpụga ma ọ bụ iwepụ crypto.	Akaụntụ Broker gị na-egosi `$0.00` na akụkọ azụmahịa na-egosi `"ACATS DELIVERED TO [DTC # / BROKER NAME]"`.	Kpọọ onye na-ere ahịa B + Broker A n'otu oge : Mee ka Broker B hapụ akaụntụ onye aghụghọ tupu onye ohi ewepu ma ọ bụ waya, ma mee ka ụlọ ọrụ abụọ ahụ mebie ACATS Fraud Reclaim / Reversal* na-eweghachite oke ahịa gị na ọnụahịa gị.

Kedu onye na-akwụ ụgwọ mgbe mbufe ACATS na-akwadoghị? (SIPC vs. UCC Nkeji edemede 8 vs. Nkwekọrịta Nchekwa Brokerage)¶

Mgbe $ 250,000 ma ọ bụ $ 2,000,000 na-apụ na akaụntụ brokerage site na nnyefe ACATS na-akwadoghị, ndị ọ metụtara na-enwekarị mgbagwoju anya banyere iwu ma ọ bụ ego mkpuchi na-ekpuchi ọnwụ ahụ, na ndị na-ahụ maka ndị ahịa na-ere ahịa nke mbụ na-ekwu na-ezighị ezi mgbe ụfọdụ * "Ọ bụghị anyị kpatara n'ihi na ụlọ ọrụ ọzọ na-ebute ACATS."

Nke a bụ ** usoro mgbake iwu na usoro iwu na-amanye ndị ụlọ ọrụ na-ere ahịa ime ka ị nweta pasentị 100:

1. Eziokwu Banyere mkpuchi SIPC (Ihe mere ị ga-eji mebie ya nke ọma)¶

** Ụlọ ọrụ nchekwa ndị na-ahụ maka ndị na-achụ ego (SIPC)** na-echebe ndị ahịa ruo $500,000 (gụnyere $250,000 maka ego) mgbe onye na-ere ahịa na-ere ahịa ** dara n'ụzọ ego wee banye n'ime mmiri.
Ọ bụ ezie na SIPC anaghị ebipụ akwụkwọ ndenye ego maka njirimara onye ọ bụla na-ezu ohi na ụlọ ahịa ihe mgbaze dị ka Fidelity ma ọ bụ Schwab, ** ụlọ ikpe gọọmentị etiti na SEC / FINRA na-ejide ndị na-ere ihe mgbaze na-aza ajụjụ nke ọma n'okpuru nchebe ndị ahịa na iwu nlekọta.FINRA Rule 3110 & FINRA Rule 2090 - Know Your Customer)**.

2. Uniform Commercial Code Nkeji edemede 8 (`UCC § 8-507`) - Ndebanye aha na-ezighi ezi / ụgwọ ikike ikike¶

N'okpuru ** Usoro Azụmahịa Uniform Nkebi nke 8-507(b)** (nadoro na steeti US 50 niile), ma ọ bụrụ na onye na-ahụ maka nchekwa (nchekwa)your brokerage) na-enyefe akụ ego dabere na usoro ikike ikike ** na-adịghị arụ ọrụ ** (nke pụtara ntuziaka ACATS adịgboroja ma ọ bụ nke na-enyeghị ikike nke ị na-edenyebeghị ma ọ bụ nyeghị ikike), ** ndị na-ahụ maka nchekwa bụ iwu iwu ka ha "weghachite ikike nchekwa maka onye na-ejide ikike" ma kwụọ ụgwọ ma ọ bụ kwụọ ụgwọ nkesa ma ọ bụ mmasị ị tụfuru.
Ọzọkwa, n'okpuru **NSCC ACATS iwu nkwụghachi ụgwọ , ** Firm na-anata *** nke nabatara akwụkwọ ikike ịnya ụgbọ ala adịgboroja nke onye aghụghọ wee nyefee TIF aghụghọ na-enweghị ezigbo ** Mmemme njirimara ndị ahịa ((Custoer Identification Program).CIP / US PATRIOT Act 31 CFR § 1023.220 nkwenye na-akwụ ụgwọ ụlọ ọrụ na-enyefe ego maka mfu niile sitere na ntuziaka mbufe aghụghọ.
** Ihe Nke a Pụtara nye Gị *: Mgbe Broker A na-ebo Broker B na Broker B na-ebo Broker A ụta, ** ekwela ka ha jiri nchekwa ndụ gị gwuo ping-pong . Aha ** abụọ *** ụlọ ọrụ na-enyefe na ụlọ ọrụ nnata na mkpesa ** FINRA nke onye na-achụ ego (finra.org na ** Mkpesa SEC OIEA (sec.gov). N'okpuru iwu ụlọ mkpochapụ NSCC, ụlọ ọrụ na-enyefe gị ga-eweghachite akaụntụ gị wee nwetaghachi ego ahụ n'aka ụlọ ọrụ nnata site na nkwuputa ndị na-ere ahịa.

3. Nnukwu onye na-ere ahịa "100% na-ekwe nkwa nchekwa ọrụ na-akwadoghị"¶

Ndị isi ụlọ ahịa na-ere ahịa US ọ bụla na-ebipụta nkwekọrịta doro anya ** Nkwenye Nchekwa Ndị Ahịa ** na-ekwe nkwa ** 100 pasent nkwụghachi nke mfu ozugbo sitere na ọrụ na-akwadoghị *** na akaụntụ ekpuchiri (ma ọ bụrụ na ị kenyeghị nzere gị wee kọwapụta mbufe na-enweghị ikike ozugbo): - ** Nkwenye nchekwa ndị ahịa ntụkwasị obi** - ** Charles Schwab nkwa nchekwa *** - **Amụma aghụghọ nke Vanguard n'ịntanetị *** - ** Merrill / E * Azụmahịa / Morgan Stanley na-ekwe nkwa ịnweta enweghị ikike ***

4. Chekwaa ndabere ụgwọ ụtụ isi gị na ebe ezumike ezumike (`IRA` / `Roth IRA` ACATS aghụghọ)¶

Ọ bụrụ na onye wayo jiri ACATS dọpụta ** Omenala IRA ma ọ bụ Roth IRA ** (ma ọ bụ ree ngwaahịa dị ala n'ime akaụntụ ụtụ isi gị): - Chọrọ nkwenye ederede site na ngalaba mkpesa ụtụ isi & nnabata nke ụlọ ahịa gị na edobere mweghachi ahụ dị ka ** Mweghachi Wayo / Mwepu Ọchịchị (ọ bụghị ịzụrụ ọhụrụ ma ọ bụ ntụgharị ọhụrụ) ka: 1. Ụbọchị nnweta izizi ** gị (long-term holding periods) na ego ụtụ isi mbụ kwa òkè** ka echekwara 100%. 2. Emejọ ọ bụla ** fọm 1099-B (esi na azụmahịa Broker)** ma ọ bụ ** mpempe 1099-R (nkesa sitere na IRA)** nke azụmaahịa ndị ohi mebere bụ ** efu ma ọ bụ dezie ya $0.00** tupu ntinye akwụkwọ IRS.

Dịruru ná njọ B Deep Dive: Otu esi adị ndụ na mmiri mmiri a na-amanye n'akụkụ mmiri na-emebighị Pọtụfoliyo ma ọ bụ ụgwọ ụtụ isi gị.¶

N'adịghị ka aghụghọ ACATS, oku na-emezi ihe FINRA Rule 4210* ma ọ bụ ** Oku oke ụlọ *** na-eme mgbe ịgbaziri ego megide ebuka gị (ma ọ bụ nhọrọ azụmaahịa / ọnọdụ dị mkpirikpi) na mbelata ahịa ahịa na mberede na-eme ka ** Pasent Equity Akaụntụ ** n'okpuru opekempe nke brokerage: $$\text {Margin Equity \%} = \ frac{\text{Mkpokọta Uru Ahịa nke Nchekwa} - \text{Margin Loan Balance}}{\text{Mkpokọta Uru Ahịa nke Nchekwa}}$$ Ọ bụ ezie na iwu FINRA nke 4210 kacha nta bụ ** 25 pasent *, ọtụtụ ndị na-ere ahịa na-amanye a ** 30% ruo 40% "Ihe achọrọ maka ndozi ụlọ" (na ** 50% ruo 100% *** na otu ebuka na-agbanwe agbanwe ma ọ bụ gbadoro anya).

1. Ọnyà oku oke nke #1: "Oge amara ụbọchị 3 adịgboroja"¶

Mgbe akaụntụ gị dara n'okpuru ihe achọrọ nrụzi ụlọ, sistemu akpaghị aka nke onye na-ere ahịa na-ezipụ ozi-e na-ekwupụta: "Ị nwere oku mmezi nke $24,500 ruru ka [Ụbọchị 3 gachara ugbu a]." - ** Gịnị mere ị na-echere ruo ụbọchị 3 ga-ehichapụ gị ***: Agreement Margin ọ bụla na Wall Street nwere nkebi ahịrịokwu (nke ụlọ ikpe gọọmenti etiti na FINRA na-akwado ya ugboro ugboro) na-ekwupụta na ** onye na-ere ahịa nwere ike ịbawanye ihe achọrọ n'akụkụ ụlọ na sekọnd ọ bụla wee kpochapu ebuka gị ozugbo na-echeghị ụbọchị n'akụkụ ọnụ ahịa n'ehihie ọzọ. - ** Iwu gị ***: Mesoo oku oke ọ bụla dị ka nke ruru ** n'ime awa 2 n'ụbọchị 1 **, ọ nweghị ụbọchị 3.

2. Gịnị mere na ị na-ekwesịghị ikwe ka Broker's Kọmputa họrọ nke oke òkè na-ere (`FIFO Tax Disaster`)¶

Ọ bụrụ na ị na-eleghara oku n'akụkụ ma hapụ ka injin ihe egwu akpaghị aka nke onye na-ere ahịa kesara mbak na 02:30 Pm iji kpuchie mperi $50,000: - Site na ndabara (IRS Regulation § 1.1012-1), ọtụtụ akaụntụ ndị na-ere ahịa ka atọrọ na ** Mbụ-N'ime, Mbụ-Ọpụpụ (FIFO*** akwụkwọ ndekọ ego ụtụ isi. - Nke ahụ pụtara na kọmpụta onye na-ere ahịa ga-ere ahịa gị ** kacha ochie, nke kachasị ọnụ ala ** (dịka ọmụmaatụ, mbak ị zụtara afọ 12 gara aga na $15 nke bara uru ugbu a $200), na-akpọchi ụgwọ ụtụ isi ** buru ibu, nke a na-apụghị ịgbagha agbagha.

3. Nzọụkwụ 4 Mberede iji dozie oku oke na usoro nke gị taa¶

**Kpọọ "Ebe / Desk Risk Risk" nke Broker tupu oge ehihie Eastern **:
Ọ bụrụ na ị na-akpa ego taa, kpọọ Margin Desk, nye ha Fedwire IMAD/OMAD nọmba nkwenye, gwa ha ka ha tinye ** otu ụbọchị Waya Pending Hold** na mmiri mmiri akpaaka ka algọridim wee ghara ire ebuka gị na 02:00 PM mgbe waya gị nọ na-efe efe.
** Jiri waya ụlọ akụ otu ụbọchị (Fedwire) ma ọ bụ Nyefee ego nke ime, ọ dịghị mgbe ọ bụla ọkọlọtọ ACH dọkpụrụ ***:
Nyefe ụlọ akụ ACH ọkọlọtọ na-ewe ụbọchị azụmahịa 1 ruo 4 iji dozie ma na-emekarị ka ọ bụrụ kredit maka nlele ihe egwu mmanye ngwa ngwa n'oge ihe mberede. Waya edozi ego.
** Ọ bụrụ na ị ga-ererịrị mbak: Jiri aka họrọ "Nchọpụta akọwapụtara (kpọmkwem)SpecID)" Ihe ndabere dị elu ma ọ bụ ọtụtụ mfu ụtụ isi ***:
Banye na tiketi ahia gị, gbanwee ** Nhọrọ ụtụ isi ** si FIFO na Specific Shares / Specify Lots (Highest Cost ma ọ bụ Tax-Efficient Loss Harvester*, ma jiri aka ree ọnọdụ ndị nwere ** mfu isi obodo ma ọ bụ ntọala ọnụ ahịa kachasị elu **. Ịre òkè na obere mfu na-egbo oke oku ahụ ** ma na-ebute mwepu ụtụ (ụtụ isi).up to $3,000 against ordinary income plus unlimited offset against capital gains), kama ịkpalite ụgwọ ụtụ IRS $40,000 ihe ijuanya na Eprel na-abịa.
**Cheta "4x Multiplier" mgbe a na-ere òkè iji zute oku oke ***:
Ọ bụrụ na ihe achọrọ oke oke ụlọ gị bụ ** 30% *** ma ị nwere mpe mpe mpe mpe mpe mpe mpe mpe mpe mpe mpe $ $ 10, ire ngwaahịa ngwaahịa $10,000 agaghị agwọta oku oke $10,000. Ọ na-ebelata mperi oke gị site na **$3,000 (30% of $10,000)**.
Iji gwọọ oku oke $10,000 site n'ịre ngwaahịa (kama idobe ego), ị ga-ererịrị: $$\text{Ọrịre Ahịa achọrọ} = \ frac{\text{Nkwụsị Oku oke}}{\text{Ndozi ụlọ \%}} = \ frac{\$10,000}{0.30} = \$33,334 \ederede{ nke ngwaahịa}$$

Lezienụ anya maka 'Portfolio Margin' Spikes Risk Intraday (VIX / Mkpụcha ntutu)

Ọ bụrụ na ịdebanyere akaụntụ gị na ** Pọtụfoliyo Margin (TIMS oke dabere n'ihe egwu)** karịa oke ụkpụrụ Iwu T, a na-agbakọkwa oke mmezi achọrọ n'ike dabere na ngbanwe pụtara na ntinye ọnọdụ. N'oge okuku ọkụ ma ọ bụ oghere ego, ụdị ihe ize ndụ nwere ike ibuli ihe ndozi ụlọ na mberede na otu ngwaahịa teknụzụ site na ** 15% ruo 50% ma ọ bụ 100% n'abali , na-emepụta oku ọnụọgụ isii ọbụlagodi ma ọ bụrụ na ọnụ ahịa ngwaahịa emegharịbeghị. Debe opekata mpe ** 25% ruo 35% oke ihe nchekwa mmiri n'elu ebe nchekwa ụlọ kacha nta gị.

Otu esi ekpuchi akaụntụ Brokerage gị megide aghụghọ ACATS n'ime nkeji 3 taa

Banye na akaụntụ onye na-ere ahịa gị taa wee mee ka mgbochi nchekwa efu anọ ndị a na-efu efu: 1. Gbanye "Mkpọchi mbufe ego" / "Mkpọchi mbufe akaụntụ": Na ntụkwasị obi, chọọ "Money Transfer Lockdown" ma gbanye ya ON maka akaụntụ ọ bụla. Na Schwab, Vanguard na ndị na-ere ahịa mmekọrịta, mee ka mkpọchi nchekwa mbufe ọpụpụ ma ọ bụ mmachi okwu ọnụ. 2. ** Nkwupụta akwụkwọ Shred & Watermark Okwu PDF ọ bụla ị na-enyela onye na-agbazinye ego *: Cheta na onye ohi ACATS chọrọ akara Akaụntụ Brokerage nke ọnụọgụ 9 ruo 12 ** site na nkwupụta. Ezila ozi nkwuputa ụlọ ahịa na-edochaghị anya; Ọ bụrụ na onye na-ede akwụkwọ mgbazinye chọrọ nkwupụta, ** gbanyụọ ọnụọgụ 5 mbụ nke nọmba akaụntụ ** ma ọ bụ dee "FOR MORTGAGE VERIFICATION ONLY - NOT VALID FOR ACATS" diagonally gafee ibe. 3. ** Kwado SMS ọwa abụọ + ozi email maka "Mgbanwe profaịlụ akaụntụ & Nyefe akụrụngwa". 4. ** Debe kredit efu efu na Equifax, Experian, TransUnion, na ChexSystems ***: Itugharị akụkọ kredit gị na-egbochi onye nkwutọ ịgafe nlele njirimara kredit dị nro na-akpaghị aka mgbe ị na-achọ imepe “nnata Akaụntụ Brokerage” adịgboroja n'aha gị.

Nọmba mberede mpaghara na ụkpụrụ ụlọ ọrụ¶

Mbufe nchekwa na-akwadoghị, mkpochapụ ụlọ, na mkpesa onye na-ahụ maka ụlọ ahịa na-arụ ọrụ n'okpuru ndị na-achịkwa obodo:

United States:
** FINRA Investor Complaint Center & BrokerCheck *: Nyefee akwụkwọ mkpesa ozugbo megide ma ndị na-ere ahịa na-anata ma na-anata na finra.org/investors/need-help/file-a-complaint ma ọ bụ kpọọ ** FINRA Securities Helpline for Seniors na 1-844-57-HELPS (1-844-574-3577).
** U.S. Securities and Exchange Commission (SEC): Nyefee arịrịọ enyemaka onye ọchụnta ego ngwa ngwa na SEC Office of Investor Education and Advocacy (OIEA) na sec.gov/oiea (1-800-732-0330).
** FBI IC3 & FTC ***: Kpesa iweghara akaụntụ ACATS nke cyber na ic3.gov na IdentityTheft.gov .
*** Canada ***:
ATON (Ịma Ọkwa n'ịntanetị Nyefee Akaụntụ) Sistemu & CIRO : Na Canada, ịnyefe ndị na-ere ahịa na-akpaghị aka na-aga site na ngosi ** CDS Nyefee n'ịntanetịATON usoro nke ** Canadian Investment Regulatory Organisation na-achịkwaCIRO, na mbụ IIROC). Kpọọ oche aghụghọ onye na-ere ahịa gị ozugbo ka ịjụ arịrịọ ATON na-akwadoghị, wee gbasaa esemokwu gaa na CIRO (1-877-442-4322* na ** Onye na-ahụ maka ọrụ ụlọ akụ na ntinye egoOBSI - 1-888-451-4519). A na-echebe akaụntụ Canada ka ọ ghara ịkwụ ụgwọ siri ike site na ** Ego Nchekwa ndị ọchụnta ego Canada ((Canadian Investor Protection Fund)CIPF* ruru $1 nde kwa ngalaba akaụntụ izugbe.
United Kingdom:
** CREST / ISA & GIA Electronic Nyefee & FCA : Na UK, òkè akpaaka na mbufe ISA / SIPP (via Origo / CRESTNdị na-ahụ maka njikwa ego ** (Financial Conduct Authority) na-achịkwa.FCA). Kpesa ịnyefe akaụntụ na-akwadoghị ozugbo gaa na nyiwe abụọ ahụ, kpọọ Action Fraud (0300 123 2040, ma gbasaa ọjụjụ ọ bụla iweghachite mbak na ** Financial Ombudsman Service (Financial Ombudsman Service)FOS - 0800 023 4567).
European Union:
** Ndị na-ahụ maka nchekwa mba (National Securities Regulators)AMF, BaFin, CONSOB, CNMV***: N'okpuru MiFID II yana iwu njide mba, ụlọ akụ na-elekọta (teneur de compte / Depotbank) ga-akwụ ụgwọ nke ukwuu maka ịmebe mbufe Pọtụfoliyo na-akwadoghị (Depotübertrag) na-enweghị ezigbo ikike ndị ahịa. Kpọtụrụ AMF diateur *** na France (amf-france.org), BaFin na Germany (bafin.de), ma tinye akwụkwọ mkpesa ndị uwe ojii (112).
** Australia na New Zealand:
** Australia (CHESS Nọmba njirimara njide HIN Nchedo) : N'Australia, mbak ASX nwere na ** ndebanye aha CHESS ** bụ nọmba njirimara njide gị na-achịkwa yaHIN). Kpọtụrụ onye na-akwado gị na ** ASX Ọrụ Ndị Ahịa (131 279* ozugbo igbachi HIN gị megide mbufe onye na-ere ahịa na-ere ahịa CHESS na-akwadoghị, wee tinye akwụkwọ mkpesa na Australian Financial Complaints Authority (AFCA - 1800 931 678* na ASIC.

Ajụjụ a na-ajụkarị¶

Kedu otu onye na-ere ahịa ọzọ ga-esi nyefee ebuka m niile na akaụntụ Fidelity, Vanguard, ma ọ bụ Schwab na-enweghị mbinye aka m ma ọ bụ koodu njirimara m nwere ihe abụọ?¶

N'ihi na US Automated Customer Account Transfer Service (ACATS) bụ "Sistemụ Pull" nke National Securities Clearing Corporation (NSCC) na-arụ ebe akwụkwọ nnabata Brokerage na-akwụ ụgwọ maka njirimara onye ahịa. Mgbe ị na-ebufe akaụntụ gị n'ụzọ ziri ezi site na Broker A gaa na Broker B, ị gaghị abanye na Broker A; Naanị ị dejupụta ụdị mbufe dijitalụ n'ime Broker B, na Broker B na-adọta oke ndị ahụ na elektrọnik. Ndị wayo na-erigbu nke a site n'iji nọmba Nchedo ọha zuru ezu, ID adịgboroja, yana nọmba akaụntụ gị (site na ozi ozi ezuru ma ọ bụ nkwupụta phishing) iji mepee akaụntụ ọhụrụ n'aha gị na ụlọ ahịa nke abụọ na-enweghị ike ịlele njirimara njirimara, wee nyefee ACATS si ebe ahụ. Ịgbanye "Mkpọchi mbufe ego" n'ime akaụntụ ụlọ ahịa gị dị na-egbochi arịrịọ ACATS na-abata kpamkpam.

Ọ bụrụ na ejidere m mbufe ACATS na-enweghị ikike na ụbọchị 1 ma ọ bụ ụbọchị 2 ka ọ ka na-ekwu "na-echere," onye na-ere ahịa m nwere ike ịkwụsị ya?¶

Ee, 100 percent. N'okpuru FINRA Rule 11870 (d) na NSCC ACATS usoro arụ ọrụ, gị na-ebu Broker nwere a formal validation na mkpesa window tupu akụ na-anapụta na Business Day 3. Oge ị na-akpọ gị brokerage's Fraud na ACATS Operations Desk na-ekwu na ị bụ ezi akaụntụ nwe na ọ bụghị ikike nyefe, na arụmọrụ scripterk abanye n'ime / Customer Code n'ime a Fraud Proud. nke na-egbu mbufe ozugbo ma na-echekwa òkè gị n'enweghị nsogbu n'ime akaụntụ gị.

Gịnị ma ọ bụrụ na m na-ezumike maka otu izu, Agbaghara email njikere, na m dum $400,000 Pọtụfoliyo ebufela na-ere site ohi?¶

Ị ka nwere ikike iwu siri ike maka iweghachi pasentị 100 nke mbak gị. N'okpuru Uniform Commercial Code Nkeji 8-507(b), onye na-ere ahịa na-ebufe ihe nchekwa gị dabere na ntụziaka na-akwadoghị ma ọ bụ nke adịgboroja ka iwu kwadoro ka ịmaliteghachi ọnọdụ nchekwa gị ma kwụọ ụgwọ ụgwọ ọ bụla furu efu, yana n'okpuru iwu NSCC na-ekpochapụ ụlọ, ndị na-anata Brokerage nke na-emezughị iji nyochaa njirimara onye aghụghọ gị ga-emerịrị. Kpọọ ngalaba aghụghọ abụọ ahụ ozugbo, deba akwụkwọ akụkọ FBI IC3, mkpesa FTC IdentityTheft.gov, mkpesa ndị uwe ojii mpaghara, yana mkpesa FINRA Investor na-akpọ ụlọ ọrụ abụọ ahụ aha, ma rịọ maka mweghachi nke mbụ gị na ọnụahịa ụtụ isi.

Enwere m ike ịgba ndị na-ere ahịa m akwụkwọ akwụkwọ ma ọ bụrụ na ha ewepụla ebuka m n'oge oku oke na 11:00 AM mgbe email nke ha kwuru na enwere m "ụbọchị 3" iji tinye ego?¶

N'ihe fọrọ nke nta ka ọ bụrụ ihe niile, mba. Ma FINRA Rule 4210 na ụlọ ikpe US na-ekpebi mgbe niile na Agreement Margin nke onye na-ere ahịa na-enye ụlọ ọrụ ahụ ikike nkwekọrịta zuru oke iji chebe onwe ya pụọ na ọdịda ahịa site n'iwepụ ihe ndị dịpụrụ adịpụ n'oge ọ bụla, na-enweghị ọkwa mbụ na ọbụna tupu oge njedebe nkwanye ùgwù ekwuru na mbụ ga-agwụ. N'ihi na onye na-ere ahịa agaghị echere gị, ị gaghị echere ruo ụbọchị 2 ma ọ bụ ụbọchị 3 iji kpọọ oku oke; Waya ego mgbe niile ma ọ bụ jiri aka na-ere òkè dị oke ọnụ ahịa n'ụtụtụ mbụ nke mperi oke.

Ịkwụsị oke n'akaụntụ ụlọ ahịa m na-enyekwara m aka ichebe m n'aka ndị na-agba ọsọ na aghụghọ ACATS?¶

Ịkwụsị oke ("ịtụgharị site na Margin gaa na Akaụntụ Ego") na-ewepụ ihe ize ndụ na ọdịda ahịa ga-ebute oke mmiri ma ọ bụ na onye na-agba ọsọ na-emebi nbanye gị nwere ike gbazinye pasent 50 ọzọ na oke iji wepụ ya. Ọzọkwa, mbak ejidere na Akaụntụ Ego dị ọcha na-enweghị nbinye oke ego enweghị ike ikwupụta (gbazinye ego) na-enweghị nkwenye gị. Agbanyeghị, ịtụgharị na Akaụntụ Ego naanị anaghị egbochi ihe ndọta mbufe ACATS: ị ka ga-emerịrị “mkpọchi mbufe ego / mbufe mbufe” na ntọala nchekwa gị iji gbochie ndọta ACATS.

Ntuziaka emetụtara¶

Isi mmalite na nduzi ọchịchị¶

** Ndị na-ahụ maka ụlọ ọrụ na-ahụ maka ego (FINRA): *** Iwu FINRA 11870 (Nkwekọrịta Nnyefe Akaụntụ Ndị Ahịa), ọkwa nchịkwa 20-32 & 23-06 (Nfefe Akaụntụ ACATS aghụghọ na njikwa mmemme njirimara ndị ahịa), yana iwu FINRA 4210 (Mkpebi oke)
** U.S. Securities and Exchange Commission (SEC) Office of Investor Education and Advocacy:** *Mkpesa ndị na-achụ ego na ọrụ nnyefe akaụntụ ahịa ndị ahịa na-akpaghị aka (ACATS) aghụghọ, ịzụ ahịa na-akwadoghị, na nghọta oku oke n'enweghị ikike maka ndọtị oge.
** National Securities Clearing Corporation (NSCC - DTCC) & Uniform Law Commission:** ACATS Iwu na-arụ ọrụ (Na-enye vs. Ịnata ụgwọ ndị otu) na Uniform Commercial Code Article 8, Nkeji 8-507 (Ọrụ nke Securities Intermediary na-eweghachite ikike ezigara n'ụzọ na-ezighi ezi).
** Ụlọ ọrụ nchekwa ndị na-achụ ego na-ahụ maka nchekwa (SIPC): *** Ihe SIPC na-echebe ($ 500,000 / $ 250,000 Iwu mkpuchi mkpuchi ego na Broker-Dealer Liquidations)*.
Federal Bureau of Investigation (FBI) Ịntanetị Mpụ Mpụ Center (IC3): Mkpọsa Ọrụ Ọha na Nnata Akaụntụ Brokerage, Identity Izu ACATS Pulls, and Asset Freeze Protocols.

ACATS ogbo & usoro iheomume	Ihe na-eme n'azụ ihe nkiri	Kedu ọkwa ị na-enweta	Otu esi akwụsị ma ọ bụ tụgharịa aghụghọ ahụ n'oge a
Nkeji 1: Ntinye TIF (`Day 0`)	Onye omekome ahụ na-emepe akaụntụ ụgha n'aha gị (`matching SSN + Account Type`) na Broker B (Receiving Firm) ma bulite nkwupụta PDF zuru ezu/doctored na-egosi nọmba akaụntụ gị na Broker A (Na-ebu Firm). Broker B na-ebufe akwụkwọ eletrọnịkị Nyefee mbido (ụdị mmalite).`TIF`* banye n'ụlọ mkpochapụ NSCC ACATS.	Sistemụ akpaghị aka nke Broker A na-ewepụta ozi * * email, ngosi ngosi ma ọ bụ ọkwa SMS** (`"Transfer Out Request Received"`). (Rịba ama: Ọ bụrụ na onye hacker ahụ mebiekwa igbe ozi email gị wee tọọ nzacha akpaghị aka maka ozi sitere n'aka onye na-ere ahịa gị, ị gaghị ahụ email ahụ.)	Ọta Na-adịghị Apụ Apụ : Inwe * Nyefee Mkpọchi * na-eme ka kọmputa Broker A na-ajụ TIF na akpaghị aka na nke abụọ 1 ***.
Nkeji 2: Window nkwado nke awa 24 (`Business Day 1`)	N'okpuru ** FINRA Iwu 11870 (d) , Broker A nwere * 1 ụbọchị azụmahịa mgbe TIF natara ma ọ bụ kwado ọnọdụ akaụntụ ma ọ bụ tinye Ewepụghị / Koodu ịjụ * (`such as Account Frozen, Invalid SSN/Title, or Customer Protest`). Ozugbo enwetara ya, ebuka gị na Broker A bụ oyi kpọnwụrụ maka ịzụ ahịa mgbe ị na-eche mbufe.	Ọkwa gị n'ime ihe ngosi Broker A `"Frozen for ACATS Transfer"` ma ọ bụ `"Pending Outbound Transfer"`.	Kpọọ Broker A's ACATS/Desk Fraud ozugbo : Kụziere ha ka ha banye * Mkpesa aghụghọ / jụ ** n'ime ACATS tupu mpio nkwado emechi.
Nkeji 3: Nyochaa Nlebaanya tupu ebi ebi (`Business Day 2`)	NSCC na-agbakọ ndepụta akụ net ma kwado ụlọ ọrụ Depository Trust Company (`DTC`* Ntuziaka ntinye akwụkwọ.	Ụbọchị ikpeazụ tupu ihe onwunwe pụọ n'aka Broker A.	Onye isi oche mberede kwụsịrị *: Onye na-ahụ maka ọrụ ACATS Broker A ka nwere ike ịdọghachi azụ ma ọ bụ hichapụ ntuziaka mbufe tupu mmezi okirikiri abalị DTC ikpeazụ.
Nkeji 4: ACATS Ndozi & Jide Mbugharị Mbugharị (`Business Day 3 to Day 10`)	A na-ebunye ebuka gị na ego gị n'ụzọ eletrọnịkị na akaụntụ nnabata na Broker B . Ntụle gị na Broker A dara na `$0.00`* . Agbanyeghị, ọtụtụ ndị na-anata ụlọ ọrụ na-edobe nkwụghachi ụgwọ aghụghọ ụbọchị 3 ruo 7 nke azụmahịa ** na akụ ebufetara ACATS tupu ha ekwe ka wires ụlọ akụ dị na mpụga ma ọ bụ iwepụ crypto.	Akaụntụ Broker gị na-egosi `$0.00` na akụkọ azụmahịa na-egosi `"ACATS DELIVERED TO [DTC # / BROKER NAME]"`.	Kpọọ onye na-ere ahịa B + Broker A n'otu oge : Mee ka Broker B hapụ akaụntụ onye aghụghọ tupu onye ohi ewepu ma ọ bụ waya, ma mee ka ụlọ ọrụ abụọ ahụ mebie ACATS Fraud Reclaim / Reversal* na-eweghachite oke ahịa gị na ọnụahịa gị.