美国 FINRA 成员证券经纪交易商的任务是对申请成员公司注册的申请人进行背景调查，包括验证使用 U4 表格向中央注册存管机构 (CRD) 报告的信息的准确性和完整性。
2015 年 1 月，美国证券交易委员会 (SEC)批准了金融业监管局 (FINRA)的拟议规则，以加强 FINRA 成员机构使用的个人背景审查流程的质量。
最终，这些信息将通过 FINRA BrokerCheck 系统公开提供，以使“投资者能够对与之开展业务的个人和公司做出明智的选择”。
金融服务组织应了解 FINRA 新要求的以下重点。
FINRA 规则 3110 已获得美国证券交易委员会的批准，并于 2015 年 7 月 1 日生效。它适用于所有 FINRA 成员经纪公司。
成员公司必须对新员工和其他公司的调动进行背景验证。组织必须有收集信息和进行背景调查的书面程序。
成员公司不需要自己进行背景调查，但可以选择聘请具有必要的监管合规专业知识的第三方供应商。
组织必须验证候选人提供的表格 U4（证券业注册或转让统一申请）信息完整准确。表格 U4 包含有关过去就业和披露历史的详细信息，包括破产、留置权/判决、犯罪历史和民事诉讼。
在提交表格 U4 后 30 天内，必须对 U4 中包含的信息进行“合理可用的公共记录”搜索。
除了初始背景调查外，FINRA 还将定期审查公共记录，以验证投资者、监管机构和公司可以获得的信息。
鉴于必须考虑到许多 EEOC、FCRA 和各种特定于行业的合规性法规，进行背景调查可能具有挑战性和复杂性。
In January 2015, the Securities and Exchange Commission (SEC) approved a proposed rule by the Financial Industry Regulatory Authority (FINRA) to strengthen the quality of the individual background vetting process used by FINRA-member institutions.
Ultimately, this information will be made publicly available through the FINRA BrokerCheck system to enable “investors to make informed choices about the individuals and firms with which they conduct business.”
Financial services organizations should be aware of the following highlights of the new FINRA requirements.
FINRA Rule 3110 has been approved by the SEC and is effective on July 1, 2015. It applies to all FINRA-member broker firms.
Member firms must conduct background verifications for new hires and transfers from other firms. Organizations must have documented procedures for collecting information and conducting background checks.
Member firms are not required to conduct the background checks themselves but may choose to employ third-party vendors with the necessary regulatory compliance expertise.
Organizations must validate that Form U4 (Uniform Application for Securities Industry Registration or Transfer) information provided by the candidate is complete and accurate. The Form U4 contains detailed information on past employment and disclosure history, including bankruptcy, liens/judgments, criminal history, and civil litigation.
Within 30 days of filing Form U4, a “reasonably available public records” search for information contained in U4 must be conducted.
In addition to the initial background check, FINRA will also conduct periodic reviews of public records to validate information available to investors, regulators and firms.
Conducting background investigations can be challenging and complex, given the many EEOC, FCRA and various industry-specific compliance regulations that must be taken into account.
