It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials. Compensation may factor into how and where products appear on our platform and in what order.
But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates. Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can.
In addition to securities products and markets, such as the stock market, the SEC also keeps tabs on key players in the industry like investment advisers. The SEC frequently gets big news coverage during major instances of investor fraud. For example, the Securities and Exchange Commission investigated the Enron scandal, the Bernie Madoff pyramid scheme, and trading improprieties during the Financial Crisis.
The SEC is primarily concerned with monitoring the key participants in the securities industry: securities exchanges, brokers and dealers, investment advisors and mutual funds. It ensures that each discloses important market information to their investors and protect against financial crime including money laundering, terrorist financing, insider trading, and fraud. Coordinating across its five divisions, in its own words the SEC is responsible for:.
When firms are found to be in violation of securities laws, the SEC may recommend a federal investigation into their activities, before pursuing a prosecution through its Enforcement division. Each year, the SEC brings hundreds of enforcement actions against both firms and individuals which violate securities laws. Beyond monitoring suspicious activities, in order to recommend investigations and prosecutions the SEC sources a substantial amount of information from investors themselves.
These choices will be signaled globally to our partners and will not affect browsing data. We and our partners process data to: Actively scan device characteristics for identification. I Accept Show Purposes. Your Money. Personal Finance. Your Practice. Popular Courses. Table of Contents Expand. SEC's Founding Principles. The Organization of the SEC. Recent SEC Developments.
The Bottom Line. The SEC was established by the passage of the U. Securities Act of and the Securities and Exchange Act of , largely in response to the stock market crash of that led to the Great Depression. The SEC can itself bring civil actions against lawbreakers, and also works with the Justice Department on criminal cases.
Article Sources. Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate.
You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy. Compare Accounts. Our U. They also have evolved to become increasingly fast and extraordinarily complex. It is our job to be responsive and innovative in the face of significant market developments and trends. As technological advancements and commercial developments have changed how our securities markets operate, our ability to remain an effective regulator requires us to continuously monitor the market environment and, as appropriate, adjust and modernize our expertise, rules, regulations, and oversight tools and activities.
Learn more about our active engagement with innovators, developers, and entrepreneurs by visiting our Strategic Hub for Innovation and Financial Technology. And since making Wall Street work for Main Street means gathering input from investors directly, please tell us about your own experiences and let us know what you think about our various proposed rules.
As we go forward, our longstanding three-part mission remains our touchstone.
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