SIPC Sticks with $250K Payout Limit for Failed Brokerages in 2027
Published Date: 1/21/2026
Notice
Summary
The Securities Investor Protection Corporation (SIPC) decided to keep the maximum cash payout for customers at $250,000 starting January 1, 2027, and for the next five years. This means if a brokerage fails, customers can still get up to $250,000 in cash claims. The SEC is asking for public comments on this decision until February 5, 2026.
Analyzed Economic Effects
2 provisions identified: 1 benefits, 1 costs, 0 mixed.
Inflation formula would have raised limit to $350,000
The statutory inflation formula would multiply $250,000 by the ratio of the Personal Consumption Expenditures price index (calendar year prior to the determination) and, using available data and a forecast for 2025, projects an adjusted maximum cash advance of about $350,000 (an estimated $357,698 rounded down to $350,000).
SIPC cash protection stays $250,000
If your brokerage fails, the maximum cash SIPC can advance to satisfy customer cash claims will remain $250,000 per customer starting January 1, 2027, and for the five years after that. This means the current cash protection level does not increase during that period.
Your PRIA Score
Personalized for You
How does this regulation affect your finances?
Sign up for a PRIA Policy Scan to see your personalized alignment score for this federal register document and every other regulation we track. We analyze your financial profile against policy provisions to show you exactly what matters to your wallet.
Key Dates
Department and Agencies
Related Federal Register Documents
2026-07651 — Concept Release on Consolidated Audit Trail and Other Audit Trails and Data Sources
The SEC wants your thoughts on how it tracks stock market trades using the Consolidated Audit Trail and other data tools. They’re thinking about updating rules to keep up with new tech, privacy, and security needs, and to make sure the system is fair and cost-effective. If you’re involved in the stock market or data tracking, speak up by June 22, 2026!
2026-10241 — Self-Regulatory Organizations; The Depository Trust Company; Notice of Filing and Immediate Effectiveness of Proposed Rule Change To Amend the DTC Operational Arrangements (Necessary for Securities to Become and Remain Eligible for DTC Services)
The Depository Trust Company (DTC) is updating its rules to make it easier and clearer for agents handling corporate offers like tenders and subscriptions through its automated systems. This change affects companies and agents using DTC services to process these offers and starts right away with no extra costs. It’s all about smoother, faster, and more reliable processing for everyone involved!
2026-10244 — Self-Regulatory Organizations; Investors Exchange LLC; Notice of Filing and Immediate Effectiveness of Proposed Rule Change To Amend the Exchange's Fee Schedule Applicable to Members Concerning Equities Transaction Pricing
Investors Exchange (IEX) is updating its fee schedule starting June 1, 2026. Members who trade stocks will see changes in how they qualify for rebates and fee discounts based on their trading volume. These tweaks aim to make fees fairer and encourage more trading activity on the exchange.
2026-10245 — Self-Regulatory Organizations; BOX Exchange LLC; Notice of Filing and Immediate Effectiveness of a Proposed Rule Change To Amend Rule 3120 To Increase the Position and Exercise Limits for Options on the iShares Bitcoin Trust ETF
BOX Exchange is raising the limits on how many options traders can hold and exercise for the iShares Bitcoin Trust ETF. This change lets bigger players trade more freely and takes effect immediately, matching similar moves by other exchanges. If you trade these options, get ready for bigger opportunities starting now!
2026-10129 — The Goldman Sachs Group, Inc.
Goldman Sachs is asking the SEC for special permission to create investment funds just for its employees, letting them skip some usual rules. This change mainly affects Goldman Sachs workers and could speed up how these funds work without changing important protections. If no one objects by June 12, 2026, the SEC will approve this request.
2026-10168 — Agency Information Collection Activities; Submission for OMB Review; Comment Request; Extension: Rule 17a-2
The SEC is asking to keep the rules that require underwriters to keep records about certain stock market activities for three years. About 647 companies spend around 3,235 hours and $530,000 yearly to follow these rules. This extension keeps things running smoothly without adding new costs or changes.
Previous / Next Documents
Previous: 2026-01091 — Fisheries of the Gulf of America and South Atlantic; Southeast Data, Assessment, and Review; Public Meeting
Fishermen, seafood lovers, and coastal communities in the Gulf and South Atlantic are invited to join a free online meeting on February 2, 2026, to review the health of Florida hogfish. This check-up helps decide if fishing rules need to change to keep hogfish populations strong and fishing sustainable. No money changes now, but the results could shape future fishing limits and protect the fish everyone depends on.
Next: 2026-01095 — Quarterly Publication of Individuals Who Have Chosen To Expatriate; Correction
The IRS fixed a small mistake in their list of people who chose to give up U.S. citizenship for the last quarter of 2023. This correction updates a name to make sure the record is accurate. If you follow these reports, note the change but no new deadlines or fees are involved.