Okay, let’s get serious for a minute. At some point some due dilligence is likely in order. If you want to know more, or would like documentation about what we are saying here, just let us know.

Fundamentally, all securities dealers are comparable. Each one operates in a highly regulated industry according to the rules and regulations of the U.S. Securities and Exchange Commission (SEC). The rules are there to assure the safety of assets under the broker-dealer’s control, as well as to maintain an environment of fair dealing — similar to traffic laws, they are voluminous. Every dealer pays strict attention to them because the regulators (e.g., Financial Industry Regulatory Authority (FINRA*), Municipal Securities Rule Board (MSRB), state agencies, etc.) conduct regular unannounced examinations to hold us accountable. They have absolute power not only to change how we conduct our business but to levy stiff fines or, should they believe it is in the best interest of investors, to prohibit us from transacting business, or to eliminate our business entirely. By the way, part of these rules include establishing self-regulatory precautions that we must maintain for the benefit of the investors we serve, and we are independently audited on them annually.

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Outsourcing is a buzzword that has become all too commonplace lately. The practice has been part of the securities industry for some time. Outsourcing custody and clearing functions is a common practice on Wall Street. Even bulge-bracket firms elect to outsource when they believe it is more profitable than establishing an in-house infrastructure. In recognition of this, the FINRA* has established two major categories of dealers, introducing dealers and self-clearing dealers. They regulate each differently, because their functions are quite distinctive. Most of Money Market One’s accounts and transactions are processed at Pershing LLC. Pershing is a subsidiary of The Bank of New York Company, Inc. The Bank of New York has offices located in thirty-three countries and offers the support of over 23,000 professionals worldwide. Money Market One utilizes Pershing’s technology and financial power to facilitate receipt or delivery of securities.

* This link does not constitute an endorsement of MM1

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Our customer’s assets are secured and maintained by Depository Trust Company (DTC) or other approved depository institutions. DTC is a member of the U.S. Federal Reserve System and a limited-purpose trust company under New York State banking law, which brings efficiency to the securities industry by retaining custody of almost 2.5 million securities issues worth over $28.3 trillion, including securities issued in the United States and more than 100 other countries. All Money Market One client accounts are fully insured by a combination of Securities Investment Protection Corporation (SIPC) (please check www.sipc.org for more information) and CAPCO (www.capco.com) protecting them for an unlimited amount against a insolvency of Money Market One, Pershing, Bank of New York, DTC or any combination of the four.

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Of course, to experience our exemplary service, you must be a client. You will join the ranks of companies that benefit from our "Will Do" culture (e.g., Amtrak, bebe, Gymboree, Louisiana Pacific, Nautilus, Oglethorpe Power, Oracle, Quantum, Xilinx, and numerous others). Our customers gain from a single line of business tailored to our distinctive clientele. We have instituted state-of-the-art specialty services to help their treasury professionals do their job more efficiently.