Tuberosa v. Financial Industry Regulatory Authority, Inc.

CourtDistrict Court, District of Columbia
DecidedJanuary 5, 2026
DocketCivil Action No. 2025-0963
StatusPublished

This text of Tuberosa v. Financial Industry Regulatory Authority, Inc. (Tuberosa v. Financial Industry Regulatory Authority, Inc.) is published on Counsel Stack Legal Research, covering District Court, District of Columbia primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

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Tuberosa v. Financial Industry Regulatory Authority, Inc., (D.D.C. 2026).

Opinion

UNITED STATES DISTRICT COURT FOR THE DISTRICT OF COLUMBIA

JAMES RICHARD TUBEROSA,

Plaintiff, Civil Action No. 25-963 (BAH) v. Judge Beryl A. Howell FINANCIAL INDUSTRY REGULATORY AUTHORITY, INC.,

Defendant.

MEMORANDUM OPINION

In April 2025, plaintiff James Richard Tuberosa, a securities broker formerly registered

with the Financial Industry Regulatory Authority (“FINRA”), initiated this suit against FINRA

seeking to expunge six customer disputes from his registration records. Plaintiff’s legal bases for

the expungement relief sought are asserted in three counts: (1) “Equitable Relief for

Expungement,” Compl. ¶¶ 145-163, ECF No. 1; (2) “Declaratory Judgment for Expungement”

under 28 U.S.C. § 2201, id. ¶¶ 164-177; and (3) “Permanent Injunction,” id. ¶¶ 178-184.

Defendant has moved to dismiss under Federal Rule of Civil Procedure 12(b)(6), contending that

plaintiff’s complaint fails to identify a cognizable cause of action against FINRA that would entitle

him to expungement relief. For the reasons discussed below, defendant’s motion is granted.

I. BACKGROUND

Following a brief review of the regulatory framework from which this lawsuit arises, the

factual and procedural history of this case is summarized.

A. Legal Framework

The Securities Exchange Act of 1934 (the “Exchange Act”) “vests registered national

securities associations with a prominent role in the administration and enforcement of federal

1 securities law.” Turbeville v. FINRA, 874 F.3d 1268, 1270 (11th Cir. 2017); see also Securities

Exchange Act of 1934, 15 U.S.C. §§ 78a et seq.; Maloney Act of 1938, 15 U.S.C. §§ 78o-3 et seq.

(amending the Exchange Act). FINRA, a private, not-for-profit self-regulatory organization

(“SRO”), is one such national securities association registered with the Securities and Exchange

Commission (“SEC”). Turbeville, 874 F.3d at 1270; see also 15 U.S.C. §§ 78c(a)(26).

FINRA is “responsible for regulatory oversight of all securities firms that do business with

the public; professional training, testing and licensing of registered persons; [and] arbitration and

mediation.” Sacks v. SEC, 648 F.3d 945, 948 (9th Cir. 2011) (quoting SEC Release No. 34-56145,

72 Fed. Reg. 42169, 42170 (Aug. 1, 2007)). “To achieve its objectives, FINRA may propose

rules”—subject to approval by the SEC—“aimed at governing its member firms and associated

individuals.” Id. at 948 (citing 15 U.S.C. § 78s(b)(1), 17 C.F.R. § 200.30-3(a)(12)). “Securities

brokers who wish to join a FINRA-affiliated firm must pass FINRA-administered examinations

and comport their professional conduct with the rules, regulations, and standards FINRA

promulgates.” Turbeville, 874 F.3d at 1271.

Among its mandates under the Exchange Act, FINRA is required to “establish and maintain

a system for collecting and retaining registration information,” 15 U.S.C. § 78o-3(i)(1)(A), defined

as “information reported in connection with the registration or licensing of brokers and dealers and

their associated persons, including disciplinary actions, regulatory, judicial, and arbitration

proceedings, and other information required by law, or exchange or association rule, and the source

and status of such information,” id. § 78o-3(i)(5). The Exchange Act also requires “[e]ach

registered securities association [to] adopt rules establishing an administrative process for

disputing the accuracy of information provided” that the Act requires to be collected. Id. § 78o-

3(i)(3).

2 Consistent with its statutory duties, FINRA maintains the registration information it

collects in an electronic database known as the Central Registration Depository (“CRD”), and

makes certain CRD information from current and former FINRA members publicly available

through FINRA’s online investor protection tool, “BrokerCheck.” See SEC Release No.

34-62476, 75 Fed. Reg. 41254, 41254 (Jul. 15, 2010). As relevant here, information disclosed on

BrokerCheck includes summary descriptions of complaints lodged by aggrieved customers against

individual brokers alleged to have committed sales practice violations, known as “customer

dispute” information. See Def.’s Mot. to Dismiss, Ex. 1, ECF No. 16-3 (hereinafter, “BrokerCheck

Report”). The SEC has stated that the “completeness of information in the CRD, including

accurate customer dispute information, is critical for the protection of investors and effective

regulatory oversight.” SEC Release No. 34-72649, 79 Fed. Reg. 43809, 43812 (Jul. 22, 2014).

These disclosures in the CRD, as the SEC has explained, “protect investors,” “safeguard the

markets,” and “help [broker-dealer firms] make informed employment decisions.” SEC Release

No. 34-95455, 87 Fed. Reg. 50170, 50172 (Aug. 9, 2022). As “[b]oth regulators and the investing

public are disadvantaged when factual information is removed from the CRD,” the SEC has

cautioned “that the expungement of customer dispute information is an extraordinary remedy that

is permitted only in the appropriate narrow circumstances contemplated by FINRA rules.” 79 Fed.

Reg. at 43812-13.

The ability to expunge customer dispute information from the CRD system, therefore, is

limited. Under FINRA Rule 2080, “[m]embers or associated persons seeking to expunge

information from the CRD system arising from disputes with customers must obtain an order from

a court of competent jurisdiction directing such expungement or confirming an arbitration award

containing expungement relief.” FINRA Rule 2080(a). FINRA Rule 13805, in turn, provides

3 detailed arbitration procedures that “appl[y] to all requests to expunge customer dispute

information from the CRD system.” As an additional non-expungement remedy, FINRA also

gives regulated parties the opportunity to submit “Broker Comments” explaining or providing

additional context to the customer dispute information disclosed in their BrokerCheck reports. See

FINRA Rule 8312(b)(2)(D).

B. Factual and Procedural Background

The relevant facts, as plaintiff alleges and as available in FINRA’s BrokerCheck Report,

are as follows. See Casey v. McDonald’s Corp., 880 F.3d 564, 567 (D.C. Cir. 2018) (“On a motion

to dismiss, we must assume that the allegations of the complaint are true.”); Langeman v. Garland,

88 F.4th 289, 292 (D.C. Cir. 2023) (“[P]ublic records are subject to judicial notice on a motion to

dismiss when referred to in the complaint and integral to the plaintiff’s claim.”).

Plaintiff has been a financial services professional since 1984, when he first registered with

FINRA. See Compl. ¶ 5, ECF No. 1; BrokerCheck Report at 5.

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