{
  "$schema": "https://www.getswoopr.com/research/market-rules-registry/schema-v1.json",
  "version": "2026-09-07",
  "schemaVersion": "1",
  "exportDate": "2026-09-07",
  "ruleCount": 5,
  "license": "CC BY 4.0: https://creativecommons.org/licenses/by/4.0/",
  "publisher": "Swoopr Investment: https://www.getswoopr.com/",
  "registryUrl": "https://www.getswoopr.com/research/market-rules-registry/",
  "rules": [
    {
      "id": "T1-US-2024",
      "title": "U.S. standard securities settlement cycle (T+1)",
      "authority": "SEC",
      "jurisdiction": "US",
      "status": "current",
      "effectiveDate": "2024-05-28",
      "transitionEnd": null,
      "priorVersionId": "T2-US-1993",
      "supersededBy": null,
      "description": "Standard U.S. equities, ETFs, and corporate bond settlement cycle shortened from T+2 to T+1 effective May 28, 2024. Government securities and some other products settled under a different cycle before this rule; verify for specific instruments.",
      "sourceUrl": "https://www.sec.gov/newsroom/speeches-statements/prepared-remarks-sec-speaks-us-capital-markets-public-good",
      "lastReviewed": "2026-09-07"
    },
    {
      "id": "FINRA-INTRADAY-MARGIN-2026",
      "title": "FINRA intraday margin requirements",
      "authority": "FINRA",
      "jurisdiction": "US",
      "status": "current-transition",
      "effectiveDate": "2026-06-04",
      "transitionEnd": "2027-10-20",
      "priorVersionId": "PDT-LEGACY",
      "supersededBy": null,
      "description": "FINRA intraday margin framework effective June 4, 2026. Replaces the legacy Pattern Day Trader minimum equity requirement. Transition window runs through October 20, 2027 during which firms may complete migration. Behavior may differ by brokerage during the transition period.",
      "sourceUrl": "https://syndication.finra.org/content/understanding-new-intraday-margin-requirements",
      "lastReviewed": "2026-09-07"
    },
    {
      "id": "CASH-FULL-PAYMENT",
      "title": "Cash account full-payment rule (Regulation T)",
      "authority": "SEC",
      "jurisdiction": "US",
      "status": "current",
      "effectiveDate": "ongoing",
      "transitionEnd": null,
      "priorVersionId": null,
      "supersededBy": null,
      "description": "Regulation T requires full payment for securities purchased in a cash account by the end of the standard settlement cycle. Free-riding (buying and selling before paying) is prohibited. Violations can result in account restrictions.",
      "sourceUrl": "https://www.federalreserve.gov/frrs/regulations/section-22012-supplement-margin-requirements.htm",
      "lastReviewed": "2026-09-07"
    },
    {
      "id": "IRS-IRA-CONTRIBUTION-2025",
      "title": "IRA contribution limits (2025)",
      "authority": "IRS",
      "jurisdiction": "US",
      "status": "current",
      "effectiveDate": "2025-01-01",
      "transitionEnd": null,
      "priorVersionId": "IRS-IRA-CONTRIBUTION-2024",
      "supersededBy": null,
      "description": "Combined traditional and Roth IRA contribution limit: $7,000 per year ($8,000 if age 50 or older). Income-based phase-outs apply to Roth IRA eligibility. Limits subject to annual IRS adjustment for inflation; verify current year limits at irs.gov before relying on this record.",
      "sourceUrl": "https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits",
      "lastReviewed": "2026-09-07"
    },
    {
      "id": "PDT-LEGACY",
      "title": "Pattern day trader rule (legacy framework)",
      "authority": "FINRA",
      "jurisdiction": "US",
      "status": "superseded",
      "effectiveDate": "2001-09-28",
      "transitionEnd": "2027-10-20",
      "priorVersionId": null,
      "supersededBy": "FINRA-INTRADAY-MARGIN-2026",
      "description": "Legacy PDT framework requiring minimum $25,000 account equity for pattern day traders. Superseded by FINRA-INTRADAY-MARGIN-2026 effective June 4, 2026. Retained in the registry for historical reference resolution so tools and articles can correctly apply this rule to trades made before the transition.",
      "sourceUrl": "https://www.finra.org/rules-guidance/rulebooks/finra-rules/4210",
      "lastReviewed": "2026-09-07"
    }
  ]
}