Money Talks ETF (Exchange Traded Fund), Regulatory Agencies

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ETF (Exchange Traded Fund) (1)

ETFs offer investors a way to pool their money in a fund that makes investments in stocks, bonds, or other assets and, in return, to receive an interest in that investment pool.

ETF (Exchange Traded Fund) (2)

ETFs do not sell individual shares directly to, or redeem their individual shares directly from, retail investors

ETF (Exchange Traded Funds) (3)

ETF sponsors enter into contractual relationships with one or more financial institutions known as “Authorized Participants.” Authorized Participants typically are large broker-dealers. Only Authorized Participants are permitted to purchase and redeem shares directly from the ETF, and they can do so only in large aggregations or blocks

ETF (Exchange Traded Fund) (4)

•An exchange-traded fund (ETF) is a basket of securities that trade on an exchange, just like a stock.

ETF (Exchange Traded Fund) (5)

•ETF share prices fluctuate all day as the ETF is bought and sold; this is different from mutual funds that only trade once a day after the market closes.

ETF (Exchange Traded Fund) (6)

•ETFs offer low expense ratios and fewer broker commissions than buying the stocks individually.


•Bond ETFs might include government bonds, corporate bonds, and state and local bonds—called municipal bonds.


(ETF) invested in physical commodities, such as agricultural goods, natural resources and precious metals. A commodity ETF is usually focused on either a single commodity — holding it in physical storage — or is focused on investments in futures contracts


•Currency ETFs invest in foreign currencies such as the Euro or Canadian dollar.


•Inverse ETFs attempt to earn gains from stock declines by shorting stocks. Shorting is selling a stock, expecting a decline in value, and repurchasing it at a lower price.


•Industry ETFs track a particular industry such as technology, banking, or the oil and gas sector.

Federal Reserve Board

a seven-member body that governs the Federal Reserve System, the U.S. central bank in charge of making the country's monetary policy. The FRB is an independent agency of the federal government. The FRB possesses the tools necessary to increase or decrease the money supply.

Federal Open Market Committee—FOMC

the branch of the Federal Reserve Board that determines the direction of monetary policy. The FOMC meets several times a year to discuss whether to maintain or change current policy. A vote to change policy would result in either buying or selling U.S. government securities on the open market to promote the growth of the national economy.

Federal Deposit Insurance Corporation (FDIC)

to provide insurance on deposits to guarantee the safety of checking and savings deposits at banks. Its mandate is to protect up to $250,000 per depositor.

Office of the Comptroller of the Currency (OCC)

Its main purpose is to supervise, regulate and provide charters to banks operating in the U.S. to ensure the soundness of the overall banking system.

Office of Thrift Supervision (OTS)

The OTS is similar to the OCC except that it regulates federal savings associations, also known as thrifts or savings and loans.

Commodity Futures Trading Commission (CFTC)

an independent authority to regulate commodity futures and options markets and to provide for competitive and efficient market trading. It also seeks to protect participants from market manipulation, investigates abusive trading practices and fraud, and maintains fluid processes for clearing.

Financial Industry Regulatory Authority (FINRA)

a self-regulatory organization (SRO) oversees all firms that are in the securities business with the public. It is also responsible for training financial services professionals, licensing and testing agents, and overseeing the mediation and arbitration processes for disputes between customers and brokers.

State Bank Regulators

State bank regulators operate similarly to the OCC, but at the state level for state-chartered banks. Their oversight works in conjunction with the Federal Reserve and the FDIC.

State Insurance Regulators

State regulators monitor, review and oversee how the insurance industry conducts business in their states. Their duties include protecting consumers, conducting criminal investigations and enforcing legal actions. They also provide licensing and authority certificates, which require applicants to submit details of their operations.

State Securities Regulators

These agencies augment FINRA and the SEC for matters associated with regulation in the state's securities business. They provide registrations for investment advisors who are not required to register with the SEC and enforce legal actions with those advisors.

Securities and Exchange Commission (SEC)

The SEC acts independently of the U.S. government. the SEC enforces the federal securities laws and regulates the majority of the securities industry. Its regulatory coverage includes the U.S. stock exchanges, options markets and options exchanges as well as all other electronic exchanges and other electronic securities markets. It also regulates investment advisors who are not covered by the state regulatory agencies.

The Consumer Financial Protection Bureau (CFPB)

The CFPB's ultimate goal is to educate consumers about financial products and services that are available to them, and to provide another level of consumer protection through its oversight of financial services.

Leveraged ETFs

Leveraged ETFs seek to deliver multiples of the performance of the index or benchmark they track

TIPS (Treasury Inflation Protected Securities)

Inflation-indexed bonds issued by the U.S. Treasury where the principal is adjusted to the Consumer Price Index.


an exchange-traded fund (ETF) that tracks the Standard & Poor's 500 Index. SPDR stands for S&P Depository Receipts.

SIPC (Securities Investor Protection Corporation )

SIPC provides limited coverage to investors on their brokerage accounts if their brokerage firm becomes insolvent. SIPC also, in many cases, protects customers from unauthorized trading in, or theft from, their securities accounts

Blue Sky Laws

State regulations governing the sale of securities and mutual funds, designed to safeguard investors from being lured into fraudulent or unscrupulous deals. Under this memorandum, only appointed brokers or agents, who are appropriately licensed within the jurisdiction, are allowed to make securities transactions.