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FINRA’s Annuity Fines: The Reg BI Signal Firms Can’t Ignore

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For the first time, FINRA put Annuities squarely in the regulatory spotlight. “Many of the recent FINRA enforcement actions involving sales-practice and supervisory failures have centered on variable annuities and exchange recommendations—a reflection of the increased scrutiny outlined in FINRA’s 2025 Oversight Report.” FINRA  In its 2025 Annual Regulatory Oversight Report, FINRA elevated annuities to a standalone focus area, sending [...] Read More

Why PTE 2020-02 Remains in Effect

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There has been confusion around the status of PTE 2020-02 due to the existence of two versions issued under different administrations. However, when the regulatory mechanics are properly understood, the conclusion is clear: PTE 2020-02 will remain in effect and required for rollover recommendations.  Two Versions of PTE 2020-02  Original PTE 2020-02 (Trump Administration, 2020): This exemption established the […]

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Regulatory Expectations Are Rising: Success Under CFR’s KYP and the Reasonable Range of Alternatives Requirements

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On December 10, 2025, the Canadian Securities Administrators (CSA) and the Canadian Investment Regulatory Organization (CIRO) released the findings of their Phase 2 review of Client Focused Reforms (CFRs). This joint report focused on three core areas: Know Your Product (KYP), suitability determination, and the need to assess a “reasonable range of alternatives” when making [...] Read More

FINRA’s 2026 Oversight Report: Communication and Sales Practices

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The 2026 FINRA Annual Regulatory Oversight Report offers insight into the focus areas for the year ahead. The report addresses critical compliance issues under Regulation Best Interest (Reg BI), Form CRS, and recommendations involving annuities, rollovers, and account types. The findings emphasize the need for firms to formalize how they assess costs, evaluate reasonably available alternatives, deliver disclosures, and retain proper […]

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Navigating the SEC’s 2026 Examination Priorities: A Roadmap for Broker-Dealers and Investment Advisers

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As the financial services industry braces for heightened supervisory scrutiny, the SEC’s Division of Examinations (“the Division”) released its Fiscal Year 2026 Examination Priorities, a clear signal of where attention will be focused.   Two themes stand out for retail facing firms:  Retail sales practices of broker-dealers (especially around account, product and rollover recommendations) and […]

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Product Pulse: Scaling Compliant Annuity Recommendations with PeerCompare Annuities

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A Growing Market – and a Growing Responsibility A generation of retirees is redefining what it means to plan for income and stability. As demand for annuities and defined retirement outcomes continues to rise, so does regulatory attention on this complex and growing market. Advisors and firms are navigating evolving suitability, exchange, and best-interest requirements [...] Read More

Advancing Regulatory Agility in Canada: Key Takeaways from the 2025 CRTA RegTech Conference

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This week, members of the InvestorCOM team attended the Achieving Regulatory Agility – Innovating Canada’s Future conference, hosted by the Canadian Regulatory Technology Association (CRTA). The event brought together leaders from regulatory bodies, financial institutions, and the technology community to discuss how Canada can navigate an increasingly complex landscape of regulatory change, emerging risks, and accelerated AI [...] Read More

Navigating Uncertainty: Key Takeaways from the 2025 NSCP Annual Conference

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The 2025 NSCP National Conference gathered compliance professionals from across the industry to discuss one persistent truth – enforcement and examinations have not gone away. Even amidst shifting political priorities and administrative transitions, regulators remain focused on protecting investors, ensuring transparency, and holding firms accountable. While the tone of enforcement may evolve, the expectation of [...] Read More

The Future of Financial Advice Is Integrated

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Wealth, Retirement, and Rollover Innovation Are Powering the Next Era of Advisor Growth Across the wealth and retirement landscape, one message is growing louder: integration drives growth. Advisors who once treated retirement and wealth management as separate disciplines are now connecting them into a single, technology-enabled client experience – one that’s compliant by design and [...] Read More

Seamless Compliance. Growth made possible.

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The British Columbia Securities Commission (BCSC) recently released its 2024 Compliance Report Card, offering valuable insights into how firms are adapting to the Client Focused Reforms (CFRs). Two themes emerged as particularly challenging for registrants:  Know Your Product (KYP)  Assessing a Reasonable Range of Alternatives  Both requirements go to the heart of putting clients’ interests […]

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