New SIE Test Registration - Test SIE Simulator Fee
New SIE Test Registration - Test SIE Simulator Fee
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FINRA Securities Industry Essentials Exam (SIE) Sample Questions (Q121-Q126):
NEW QUESTION # 121
Which of the following rates is the interest rate at which banks borrow and lend to each other on an overnight basis?
- A. Discount rate
- B. Prime rate
- C. LIBOR
- D. Federal funds rate
Answer: D
Explanation:
Step by Step Explanation:
* Federal Funds Rate: The rate at which depository institutions lend reserves to each other overnight. It is set by the Federal Open Market Committee (FOMC).
* Other Rates:
* Prime Rate: Rate banks charge their most creditworthy customers.
* Discount Rate: Rate the Federal Reserve charges banks for borrowing directly from it.
* LIBOR: Interbank lending rate used internationally, now being phased out.
References:
* Federal Reserve Explanation of Rates: Federal Funds Rate.
NEW QUESTION # 122
The provision that allows a bond issuer to purchase bonds from customers prior to the maturity date on the bond is known as a:
- A. Call
- B. Conversion
- C. Put
- D. Defeasement
Answer: A
Explanation:
Step by Step Explanation:
* Call Provision: This allows the issuer to redeem bonds before their maturity date, usually at a premium to the par value, which benefits the issuer in a declining interest rate environment.
* Put Provision: Allows bondholders, not issuers, to sell the bond back to the issuer.
* Conversion: Relates to convertible bonds that can be converted into equity.
* Defeasement: Refers to the removal of a bond issuer's obligation by setting aside cash or securities to cover the debt.
References:
* SEC Guide on Callable Bonds: SEC Callable Bonds.
NEW QUESTION # 123
Under which of the following circumstances, if any, is it permissible for an individual without a Power of Attorney (POA) to sign a customer's name on their behalf?
- A. Upon receipt of verbal authorization provided that written authorization is subsequently provided
- B. Never permissible to sign a customer's name on their behalf
- C. Upon approval by a firm principal
- D. When accounts are fully discretionary
Answer: B
Explanation:
Step by Step Explanation:
* Prohibition on Signing Customer Names: It is never permissible to sign a customer's name without written authorization (POA) due to legal and ethical concerns. Unauthorized signing constitutes forgery and violates FINRA rules.
* Incorrect Options:
* A: Firm principal approval does not override this prohibition.
* B: Verbal authorization is insufficient.
* C: Discretionary authority does not allow unauthorized signing.
References:
* FINRA Rule 4512 (Customer Account Information): FINRA Rule 4512.
NEW QUESTION # 124
Which of the following listed securities carries voting rights?
- A. Corporate bond
- B. Preferred stock
- C. Convertible bond
- D. Common stock
Answer: D
Explanation:
Step by Step Explanation:
* Common Stock: Holders of common stock typically have voting rights, which allow them to participate in decisions like electing the board of directors or approving major corporate actions.
* Other Securities:
* Preferred Stock: Usually does not carry voting rights.
* Corporate and Convertible Bonds: Debt instruments, so they do not confer voting rights.
References:
* SEC Guide on Stock Voting Rights: SEC Voting Rights.
NEW QUESTION # 125
According to FINRA rules, under which of the following circumstances, if any, is a member firm permitted to send gifts to a registered representative of another member firm?
- A. When the value of all gifts during a period of one year does not exceed $100
- B. When no single gift exceeds $100 in value and the maximum value of all gifts per year equals $250
- C. When no single gift exceeds $100 and there is no limit on the number of gifts
- D. Under no circumstances
Answer: A
Explanation:
Step by Step Explanation:
* FINRA Rule 3220: This rule limits gifts to $100 per person annually to prevent conflicts of interest.
* Aggregate Limit: There is no provision for exceeding the $100 annual limit, regardless of the number of gifts.
* Purpose: The rule ensures that gifts do not influence decisions or create unethical relationships.
References:
* FINRA Rule 3220 (Influencing or Rewarding Employees of Others): FINRA Rule 3220.
NEW QUESTION # 126
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