FINRA rules, SEC requirements, and state securities regulations mandate specific disclosures at investment account opening Form ADV delivery, account agreements, suitability documentation, privacy notices. The exact set varies by account type, advisory relationship, and state. Templx generates the correct disclosure package automatically from governed templates, so every client onboarding meets the requirement.
Broker-dealers, RIAs, and wealth management platforms all face the same compliance reality. FINRA Rule 4512 requires specific customer account information. SEC rules require Form ADV delivery at the start of an advisory relationship. State securities regulators add their own disclosure requirements. The combination that applies to any given client depends on account type, advisory relationship, and the client's state of residence.
Most wealth management platforms manage this through static disclosure packets one version per account type updated manually every time a regulatory requirement changes. When a FINRA examination asks which disclosure version was in use on a specific account opening date, the answer requires reconstructing a process that was never formally documented.
Your onboarding platform calls the Templx API when an account is ready to open. The payload carries the client and account attributes account type, advisory relationship, state. The rules engine selects the correct disclosure set. Templx generates the documents from approved templates and returns them as governed PDFs.
When SEC rule changes require updated Form ADV language, your compliance team updates the template in the workbench, routes it through the approval workflow, and publishes it. The next onboarding in scope receives the updated disclosure. The audit trail records exactly when the updated version went live and who approved it.
We will walk through an onboarding scenario with your account types, your regulatory context, and your platform in mind.