2026 Newest FINRA SIE: Exam Vce Securities Industry Essentials Exam (SIE) Free
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FINRA Securities Industry Essentials Exam (SIE) Sample Questions (Q43-Q48):
NEW QUESTION # 43
An associated person at a member firm receives a complaint from a customer involving allegations of forgery.
Once the complaint is received, which of the following actions is required?
- A. The member firm must complete arbitration to resolve the complaint with the customer before filing a report with FINRA.
- B. The member firm must report the event promptly to FINRA.
- C. The member firm is not required to report the event to FINRA but must maintain a file of the complaint for four years.
- D. The member firm must have a principal review the complaint and determine if the forgery occurred before filing a report with FINRA.
Answer: B
Explanation:
Step by Step Explanation:
* FINRA Rule 4530: Requires member firms to report certain events, including allegations of forgery, to FINRA promptly.
* Incorrect Options:
* Option B: Maintaining a record does not substitute for required reporting.
* Option C: Arbitration isn't required before reporting.
* Option D: Reporting is mandatory irrespective of internal investigations.
FINRA Rule 4530 (Reporting Requirements): FINRA Rule 4530.
NEW QUESTION # 44
Which of the following strategies is an investor most likely to employ using options contracts?
- A. Buying put options when the market shows upward momentum
- B. Selling call options to set a definitive ceiling for potential losses
- C. Buying call options when the market shows downward momentum
- D. Buying put options to set a definitive floor for potential losses
Answer: D
Explanation:
Buying a put option gives the investor the right to sell a stock at a specific strike price, effectively setting a floor for potential losses if the stock price declines. This is a common risk-management strategy.
* A is correctbecause buying puts limits downside risk while retaining the potential for upside gains.
* Bis incorrect as buying puts is a bearish strategy, not one used during upward momentum.
* Cis incorrect because selling call options does not hedge losses; it is a speculative or income-generating strategy.
* Dis incorrect because buying calls is a bullish strategy, used during upward momentum, not downward.
NEW QUESTION # 45
Which of the following assets is not covered under the SEC ' s Customer Protection Rule?
- A. Bonds in the customer ' s account
- B. Stocks in the customer ' s account
- C. $20,000 excess margin on $250,000 in securities in a customer ' s account
- D. $250,000 in cash in the customer ' s savings account
Answer: D
Explanation:
The correct answer is C, $250,000 in cash in the customer ' s savings account. The SEC's Customer Protection Rule (Rule 15c3-3 under the Securities Exchange Act of 1934) is designed to protect customer funds and securities held by broker-dealers, not assets held at banks.
Step-by-step, the rule requires broker-dealers to segregate customer securities and maintain a reserve of cash or qualified securities to safeguard customer assets in case the firm fails. This includes securities like stocks and bonds (Choices A and B), which are held in brokerage accounts and therefore fall under the rule's protection.
Choice D, excess margin, is also covered because it represents customer funds held by the broker-dealer beyond what is required for margin purposes. These funds must be included in the reserve computation and are protected under the rule.
However, Choice C refers to cash held in a bank savings account, which is not under the custody of a broker- dealer. Instead, such deposits are typically protected by FDIC insurance, not the SEC's Customer Protection Rule.
Therefore, assets held outside a brokerage relationship-like bank savings-are not covered by the Customer Protection Rule, making Answer C correct.
NEW QUESTION # 46
Corporate bonds unsecured by any pledge of property are called:
- A. General obligation (GO) bonds
- B. Debentures
- C. Trust certificates
- D. Collateral trust bonds
Answer: B
Explanation:
Step by Step Explanation:
* Debentures: Corporate bonds not backed by physical assets or collateral. They rely on the issuer's creditworthiness.
* Incorrect Options:
* B: Trust certificates are a legacy term for bonds backed by a trust.
* C: Collateral trust bonds are secured by financial assets.
* D: GO bonds are issued by municipalities, not corporations.
References:
* SEC Guide on Corporate Bonds: SEC Corporate Bonds.
NEW QUESTION # 47
An investor wants to purchase mutual fund shares, but she is concerned about the tax efficiency of the fund.
Which of the following disclosures required under industry regulations will help the investor make an informed decision?
- A. The commissions that the fund pays on each transaction
- B. Sales charges and breakpoint discount opportunities
- C. Projections of future dividend and capital gains distributions
- D. The fund's turnover ratio
Answer: D
Explanation:
Step by Step Explanation:
* Turnover Ratio: Indicates how frequently the fund manager buys and sells securities. A high turnover ratio may result in higher capital gains distributions, impacting tax efficiency.
* Incorrect Options:
* B: Sales charges affect cost but not tax efficiency.
* C: Commission details are unrelated to the fund's tax efficiency.
* D: Projections of distributions are speculative and not disclosed under regulations.
References:
* SEC Mutual Fund Guide: SEC Mutual Funds.
NEW QUESTION # 48
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