Inhloso ukuqinisekisa ukuthi amaklayenti angakwazi ukuhoxisa inqwaba ye-holdings yabo ekufuneni, noma ngabe ifoni iqeda.
Ukubalwa:
Okungenani kanye ngesonto, amafemu odayisi-mthengisi kumele agcwalise lokho abakweleta kumakhasimende nokuthi yiziphi amaklayenti afanele kubo, kokubili ukheshi nokugcina. Uma inani elikhokhwa kumakhasimende lidlula i-owed kusuka kumakhasimende, i-firm kumele ihlanganise ingxenye yayo (ukubalwa okushiwo uMthetho 15c3-3) kwi-"Akhawunti Ekhethekile Yebhange Yenhlalakahle Yomhlomulo Oyingqayizivele Wabasimende." Imali nokugcina ukuhlukaniswa kuyo ngeke kusetshenziswe yi-firm for any purpose, njengokuhweba kwe-akhawunti yayo noma ukuxhasa ngemisebenzi yayo. Imali kule akhawunti ingayifinyelela izigidigidi zamaRandi kwenkampani eyodwa.
Ukubala kunokulungiswa okuyinkimbinkimbi okuhlobene namalungiselelo okuthola kanye nokuboleka imali. Kukhona futhi amazinga okufaka ingozi ezibhekiswe emaqenjini ahlukahlukene e-asethi, futhi angakwazi ukuguqula ukulinganisa ngezindlela eziyinkimbinkimbi.
Abahlaziyi bayakusho ukuthi, esikhwameni esinzima noma esikhwameni sokuthengwa kwempahla, amaklayenti angeke akwazi ukuhlangabezana nezibopho zabo kumfaki we-broker-dealer ngesikhathi esifanele, uma kunjalo. Ngenxa yalokho, ngokombono wabo, inani elibekwa eceleni ngaphansi komthetho 15c3-3 liphansi kakhulu. Ephendula ukuhluleka kweLehman Brothers ne-MF Global, lapho izigidigidi zamaRandi ezikhokhelwa ngamakhasimende zilahlekile ngokuphelele noma ziphinde zalandelwa emuva kweminyaka eminingi yomzabalazo, i-SEC igcizelele lo mthetho.
I-Merrill Lynch Probe:
I-SEC iphhenya ukuthi i-Bank of America kanye ne-subsidiary yayo ye- Merrill isebenzisa uhlelo oluyinkimbinkimbi lokuvimbela uMthetho 15c3-3 nokukhulisa inzuzo, ngaleyo ndlela ibeke ama-akhawunti amakhasimende athengisayo engozini. Insolo yileli hlelo ligijima eMerrill Lynch okungenani iminyaka engu-3, ephela phakathi no-2012. I-Bank of America, eyathola i-Merrill Lynch ngonyaka ka-2009, isivele ikhokhelwe imali engaphezu kwezingu-dollar ayizigidi eziyizinkulungwane ezingu-70 emakethe avela ku-2008 credit crisis.
Isiklomelo esisodwa esisetshenziswe ngu-Merrill Lynch sabizwa ngokuthi "ukuguqulwa kwesilinganiso." Kulo, ambalwa amaklayenti adingekayo enkampanini aphezulu ayethonywa ukuba afake imali eyengeziwe (kwezinye izimo ezafinyelela ezigidini zamaRandi) njengezibambiso zemali-mboleko ezibiza cishe izikhathi eziyi-100 ngaphezulu. Umphumela osheshayo wawukhuphuka kakhulu kulokho amaklayenti ayekweleta kuMerrill Lynch, ukuwa okulinganayo emalini enethenti enkampani kumakhasimende, ngaleyo ndlela ukunciphisa ubukhulu be-akhawunti yendawo. Ngezinye izikhathi, lolu hlelo lukhulule imali engaba yizigidi eziyizigidi eziyizigidi ezingu-5 zamaRandi, ngaphandle kwe-akhawunti yendawo okungeyona imali engalinganiselwa ku-$ 20 billion. Ukugcinwa kwezindleko zezimali (ngokukwazi ukuhambisa lezi zimali kwenye indawo eqinile futhi ngaleyo ndlela kuqedwe isidingo sokuphakamisa imali efana namalimboleko asebhange noma izimakethe zesikweletu somphakathi) kwakuyizigidi ezingama-20 ngonyaka.
Ukwengeza, i-Merrill Lynch isebenzisa uhlelo lokuguqulwa oluvinjelwe njengethuluzi lokulawulwa kwezinhlekelele zamatekisi ayo okuhweba. Uma ideskini yokuhweba selizuze indawo enkulu kakhulu ekuvikelekeni okunikezwe ukuthi ifuna ukugoba, ingakwazi ukukhulula konke noma iningi labo kulabo abaklayenti abanamathele aphezulu, besebenzisa imali ebolekele yona. Yeka ukuthi la maklayenti azuze kanjani ekuhlanganyeleni ekuguqulweni okulinganiselwe akucacile.
Imithombo: "Iyini Isenzo Esikhulu Ngomthetho 15c3-3," wsj.com, April 28, 2015; "I-SEC Probes BofA Ngaphezu Kweqhinga Le-Merrill," I-Wall Street Journal, ngo-Ephreli 29, 2015.