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Exam Series 6 topic 1 question 93 discussion

Actual exam question from FINRA's Series 6
Question #: 93
Topic #: 1
[All Series 6 Questions]

What did the Howey Decision?

  • A. provided for fixed annuities to be excluded from the definition of a security.
  • B. defined an investment contract as any investment of money in a common enterprise with the expectation of earning a profit from the efforts of others.
  • C. stipulated that all general partnerships were investment contracts and, therefore, securities, as defined by the Securities Exchange Act of 1934.
  • D. determined that certificates of deposit issued by a bank and insured by the FDIC did not qualify as securities, as defined by the Securities Exchange Act of
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Suggested Answer: B 🗳️
The Howey Decision defined an investment contract as any investment of money in a common enterprise with the expectation of earning a profit from the efforts of others. General partnerships do not fall under the definition of investment contracts since the general partners are actively involved in the business operations. Although both fixed annuities and bank CDs are excluded from the definition of a security, this was not part of the Howey Decision.

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