Brokerages · Brokerage (full-service/advisor) · Structural / no discrete incident
UBS
Headline
UBS's standard margin agreement lets it LOAN OUT the securities in your margin account — to itself, or to other parties — as a routine part of doing business.
Not independently verified. Verification status: Unverified - heuristic first draft. Publish state: draft unverified.
UBS's standard margin agreement lets it LOAN OUT the securities in your margin account — to itself, or to other parties — as a routine part of doing business. Many customers assume the stocks in their account just sit there until they decide to trade them; in reality, shares can be quietly lent out to someone else in the meantime.
- Severity
- Evidence tierUnassigned
- Claims confirmed
- Last verified2026-08-04
Primary source. None recorded — Unverified - heuristic first draft.
Terms
Arbitration
Standard pre-dispute arbitration clause (final paragraph of Master Account Agreement, confirmed via historical SEC filing) — customers agree in advance to arbitrate controversies.
Data sharing
UBS Financial Services explicitly discloses it does NOT provide legal or tax advice despite the advisory relationship; margin account securities may be loaned to UBS itself or to others as part of standard margin agreement terms — a real, if standard-for-the-industry, use of customer securities.
Fees and billing
Annual service fee applies to certain 'RMA' (Resource Management Account) feature selections.
Contacts
Privacy contact. Not recorded.
Legal notice. Not verified this pass. If publicly traded: SEC Form 10-K cover page gives the official corporate address; the Secretary of State business-entity search in the state of incorporation gives the registered agent, which must accept service. If private: the state registered agent is usually the only reliable route.
Mailing address. Not recorded.
Evidence
No claims have been itemized for this row yet.
No sources are on file for this row yet.
Source vault
Link status: Candidate - not yet fetched
| Document | Last fetch | |
|---|---|---|
| Privacy policy ubs.com privacy policy (not individually located this pass) | Not fetched yet | NOT CONFIRMED |
| Terms of service ubs.com (Master Account Agreement — direct URL not individually captured this pass; historical filing confirms 'Arbitration' is the final paragraph of the Master Account Agreement) | Not fetched yet | NOT CONFIRMED |
| Website No URL recorded | Not fetched yet | — |
| Primary source No URL recorded Verification: Unverified - heuristic first draft | Not fetched yet | — |
Enforcement
No enforcement actions are linked to this row.
State statute
No HQ state on file, so no state statute applies by headquarters.