Designed for your examiners, not just your engineers

FINRA Rule 4511 requires member firms to make and preserve books and records as required under the FINRA rules, the Exchange Act, and applicable Exchange Act rules. Eko's platform generates and preserves all required order records, account records, and trade confirmations in the required format. The compliance package includes a pre-written Rule 4511 compliance policy template reviewed against current FINRA examination guidance.

The BSA requires financial institutions to assist government agencies in detecting and preventing money laundering. Eko's platform includes automated AML transaction monitoring with configurable alert thresholds. The compliance package provides a written AML program template, SAR filing procedures, and escalation workflow documentation. Eko's monitoring covers the investment account activity layer — your existing BSA program covers the deposit side.

GLBA requires financial institutions to explain how they share and protect customer nonpublic personal information. Eko processes investment account data under a data processing agreement that specifies data use, retention, and deletion procedures. The compliance package includes updated privacy notice language for your institution's customer disclosure covering the investment account data collected by Eko on your behalf.

The Community Reinvestment Act encourages banks to serve the credit and investment needs of all segments of their communities, including low- and moderate-income neighborhoods. Eko's fractional share capability enables investment minimums as low as $1, making investment products accessible to lower-income households. The compliance package includes CRA investment credit documentation templates that can be submitted as evidence of community development services to examiners.

KYC/CIP requirements for investment accounts require collecting name, date of birth, address, and identification number at account opening. Eko's KYC module handles document collection, identity verification, and CIP record retention. The compliance package includes the CIP written program template and a workflow diagram mapping each step to the applicable regulatory requirement — ready for examiner review.

Certain investment-related cash movements may trigger state money transmitter license requirements. Eko's legal team has analyzed the regulatory landscape in all 50 states. The compliance package includes a state-by-state summary of applicable money transmitter considerations for community bank investment product launches, with guidance on which activities fall under Eko's existing licenses versus your institution's exemptions.