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FINANCIAL INDUSTRY REGULATORY AUTHORITY OFFICE OF HEARING OFFICERS Department of Enforcement, Complainant, v. Ronald G. Richer CRD No. 2988381, Respondent. Disciplinary Proceeding No. 2019062014501 Hearing Officer-MC ORDER ACCEPTING OFFER OF SETTLEMENT Date: September 1, 2020 INTRODUCTION Disciplinary Proceeding No. 2019062014501 was filed on July 30, 2020, by the

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2017052215402 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Michael Rubel, Respondent General Securities Representative CRD No. 4935564 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Respondent Michael Rubel submits this Letter of Acceptance, Waiver and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.