Hu v. Regal Securities Inc

CourtDistrict Court, D. Nevada
DecidedSeptember 30, 2020
Docket2:19-cv-01930
StatusUnknown

This text of Hu v. Regal Securities Inc (Hu v. Regal Securities Inc) is published on Counsel Stack Legal Research, covering District Court, D. Nevada primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Hu v. Regal Securities Inc, (D. Nev. 2020).

Opinion

1 2 3 4 UNITED STATES DISTRICT COURT 5 DISTRICT OF NEVADA 6 * * *

7 JAY HU, Case No. 2:19-CV-1930-KJD-NJK

8 Petitioner, ORDER

9 v.

10 REGAL SECURITIES, INC.,

11 Respondent.

12 Presently before the Court is Petitioner’s Motion to Vacate Arbitration Award (#1). 13 Respondent filed a response in opposition (#11) to which Petitioner replied (#14). Also before 14 the Court is Respondent’s Motion to Confirm Arbitration Award (#9-2/11). 15 I. Background 16 In August 2017, Hu, a long-time statistician1 and owner of a statistical analysis company, 17 opened an individual trading account at eOption, an online discount trading division of Regal. As 18 such, the account was self-directed by Hu, and all trades were unsolicited—which means that Hu 19 made all of his investment decisions entirely of his own accord with no recommendations from 20 eOption. There was no broker or investment advisor associated with his account, and Hu entered 21 all orders himself through eOption's online web-based platform. 22 In Hu's new account paperwork, he marked “10+ years” for Stocks, and “10+ years” for 23 Options. Additionally, Hu indicated that his annual income is “$100,000 -$249,999,” that his net 24 worth (exclusive of his residence) is $1,000,000 - $3,000,000 and that his liquid net worth is 25 $500,000 - $999,999. Hu also indicated that “the investments in this account will be 1/3 of [his] 26

27 1 Hu complains that he provided three years of tax returns which show dwindling income to Respondent 28 when he opened his account. His dwindling income is blamed on outsourcing of his type of job. He argues that Respondent should have treated him with kid gloves because of this. 1 financial portfolio,” which indicated to Regal that his investments did not represent his “life 2 savings,” as he now claims in his motion. Hu also indicated “[m]arket speculation” was his 3 investment objective and that his risk tolerance was “[h]igh,” both of which are the highest and 4 most aggressive categories on the application. 5 Hu's option account application also supports his years of investment experience and 6 desire for speculation. In doing so, Hu again requested the highest level of options trading 7 available at eOption, and further indicated his high income, net worth, years of investment 8 experience, and desire for speculation. Indeed, Hu again marked the most speculative and 9 aggressive trading boxes. Under Investment Objective, Hu marked the most aggressive objective, 10 “[s]peculation,” and when indicating what his “[p]rior [o]ption [a]ctivity [h]as [b]een,” he 11 marked “[u]ncovered (sales),” again, the most speculative category, and for “[p]rior [o]ption 12 [t]rading [f]requency,” Hu indicated he was “[a]ctive,” the highest category. Under “[p]rior 13 [o]ption [t]rading [o]ccurred in [w]hat [a]ccount [t]ype,” Hu indicated he had traded options 14 using “[b]oth” cash and margin. Out of eight possible boxes he could mark for the category “I 15 plan to use this account for the following (Check all that apply),” Hu marked only one box, again 16 for the most aggressive category, “[m]arket speculation.” Additionally, under “[c)ustomer 17 [f]inancial [i]nformation,” Hu indicated he had “10+ years” of investment experience with stocks 18 and “10+ years” with options. Finally, not only did Hu mark the most speculative category on 19 every entry on his option application, he also applied for “Level 4” options trading permission, 20 which is the highest, most speculative level of option trading available at eOption.2 21 Hu also signed paperwork to open a margin account at eOption. The margin disclosure 22 statement states the risks of purchasing securities on margin and provides, in relevant part: 23 This statement is being furnished to you to provide some basic facts about purchasing securities on margin, and to alert you to the risks 24 involved with trading securities in a margin account. Before trading stocks in a margin account, you should carefully review the Margin 25 Agreement provided by [Regal] . . .. 26 When you purchase securities, you may pay for the securities in full or you may borrow part of the purchase price from [Regal's clearing 27 28 2 Hu also utilized this strategy at other brokerages, including Charles Schwab, that also resulted in Hu incurring massive debts to those brokerages. 1 firm]. If you choose to borrow funds, a margin account will be opened. The securities purchased are collateral for the loan to you. 2 If the securities in your account decline in value, so does the value of the collateral supporting your loan, and, as a result, [Regal's 3 clearing firm] or [Regal] can take action, such as issue a margin call and/or sell securities or other assets in any of your accounts held 4 with [Regal's clearing firm], in order to maintain the required equity in the account It is important that you fully understand the risks 5 involved in trading securities on margin. 6 (emphasis added). 7 The margin disclosure statement explicitly provides the client with a list of potential 8 risks, including: 9 • You can lose more funds than you deposit in the margin account. 10 A decline in the value of securities that are purchased on margin may require you to provide additional funds to [Regal's clearing 11 firm] to avoid the forced sale of those securities or other securities or assets in your account(s). 12 • [Regal] . . . can force the sale of securities or other assets in your 13 account(s). If the equity in your account falls below the maintenance margin requirements or [Regal's clearing firm]'s 14 higher “house” requirements . . . [Regal] can sell the securities or other assets in any of your accounts held at [Regal’s clearing firm] 15 to cover the margin deficiency. You also will be responsible for any shortfall in the account after such sale 16 • Your securities or other assets may be sold without contacting 17 you . . . if this is not the case . . . the firm can still take necessary steps to protect their financial interests, including immediately 18 selling the securities without notice to the customer. 19 • You are not entitled to choose which securities or other assets in your accounts) are liquidated or sold to meet a margin call. 20 Because the securities are collateral for the margin loan . . . [Regal] has the right to decide which security to sell in order to protect 21 [Regal's clearing firm]'s interests. 22 • “House” maintenance margin requirements may be increased at any time without advance written notice. These changes in 23 [Regal’s clearing firm]'s policy often take effect immediately and may result in the issuance of a maintenance margin call. Your 24 failure to satisfy the call may cause [Regal's clearing firm] or [Regal] to liquidate or sell securities in your account(s). 25 • You are not entitled to an extension of time on a margin call. 26 While an extension of time to meet margin requirements may be available to customers under certain conditions, a customer does 27 not have a right to the extension. 28 Thus, the margin disclosure statement put Hu on notice of the risks of trading on margin. 1 The margin disclosure statement warns that, as occurred here, “[y]ou can lose more funds than 2 you deposit in the margin account.” Further, the margin disclosure statement clearly states that 3 Regal can force the sale of securities or other assets in Hu's accounts if the account falls below 4 the higher maintenance “house” requirements to cover any margin deficiency. The language also 5 states that Hu will be responsible for any shortfall in the account after such a forced sale. 6 Hu also received a special statement for uncovered option writers when he opened his 7 option trading account at eOption.

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Hu v. Regal Securities Inc, Counsel Stack Legal Research, https://law.counselstack.com/opinion/hu-v-regal-securities-inc-nvd-2020.