Action

Your Rights as a Retail Investor Affected by PFOF

The disclosure requirements, best execution standards, and complaint processes established by the SEC and FINRA create specific rights for retail investors affected by payment for order flow. Knowing and exercising these rights is both your best protection and the most effective form of accountability pressure on Citadel Securities and its broker partners.

The Right to Know Where Your Orders Go

Under SEC Rule 606, your broker must disclose quarterly reports detailing where your orders are routed and what payments it receives. You have the right to request these reports and to understand what they mean. If your broker cannot explain its routing practices, that is itself a red flag.

The Right to Best Execution

FINRA Rule 5310 gives you the right to have your orders executed on the most favorable terms reasonably available. If you have evidence that your broker consistently achieves inferior execution prices compared to what was available at the time of your orders, you may have grounds for a complaint.

The Right to Opt Out of PFOF (Where Available)

Some brokers — including Interactive Brokers — offer customers the option to route orders directly to exchanges rather than through PFOF arrangements. You have the right to ask your broker about direct routing options and to switch brokers if no such option is offered.

The Right to File Complaints

You have the right to file complaints with the SEC (sec.gov/tcr), FINRA (finra.org/investors/have-problem), and your state securities regulator. These complaints create a public record and can contribute to broader enforcement investigations.

retail investor rights PFOFinvestor rights CitadelPFOF disclosure rightsbroker best execution rightsSEC Rule 606 rights

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