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2021072595001 John M. Derbin, Jr. CRD 3183322 AWC lp (2022-1656030026688).pdf

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER, AND CONSENT NO. 2021072595001 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: John M. Derbin, Jr. (Respondent) General Securities Representative CRD No. 3183322 Pursuant to FINRA Rule 9216, Respondent John M. Derbin, Jr. submits this Letter of Acceptance, Waiver, and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.

Boyce Randolph Comment On Regulatory Notice 22-08

I was an advisor with a series 65. Some of my clients were knowledgeable some not. There is no doubt that FINRA has some good regulatory laws but guys this is a huge over reach. It is not your job to protect me against myself. This is play money not retirement money. Even if ten or twenty percent of my retirement money was in derivatives that is none of your business. Let the broker and or the advisor decide who should use these funds or ETFs. I go to the horse track but I dont bet my mortgage payment. I believe that the market is in for a huge correction.