Ally Invest Securities - Revision history

Bananabot: Re-archived 3 citation(s) from archive.today to web.archive.org using CRWCitationBot

2026-02-22T20:42:11Z

Re-archived 3 citation(s) from archive.today to web.archive.org using CRWCitationBot

← Older revision		Revision as of 20:42, 22 February 2026
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	\|Website=https://www.ally.com/invest		\|Website=https://www.ally.com/invest
	}}		}}
	'''Ally Invest Securities, LLC''' (also known as '''Ally Invest''') is a wholly-owned subsidiary of [[Ally Financial]]<ref>{{Cite web \|date=25 Nov 2025 \|title=We’re not just raising the bar, we’re redefining it. \|url=https://www.ally.com/about/ \|url-status=live \|archive-url=https://~~archive~~.ph/~~DnDW0~~ \|archive-date=5 Jan 2026 \|access-date=25 Nov 2025 \|website=Ally}}</ref> which provides securities brokerage and financial services.		'''Ally Invest Securities, LLC''' (also known as '''Ally Invest''') is a wholly-owned subsidiary of [[Ally Financial]]<ref>{{Cite web \|date=25 Nov 2025 \|title=We’re not just raising the bar, we’re redefining it. \|url=https://www.ally.com/about/ \|url-status=live \|archive-url=http://web.archive.org/web/20260109092109/https://www.ally.com/about/ \|archive-date=9 Jan 2026\|access-date=25 Nov 2025 \|website=Ally}}</ref> which provides securities brokerage and financial services.

	Ally Invest provides services to customers who are natural persons or legal entities such as trusts.		Ally Invest provides services to customers who are natural persons or legal entities such as trusts.
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	===Forced arbitration===		===Forced arbitration===
	Ally Invest may present customers with agreements that [[Forced arbitration\|force arbitration]], without an opt-out clause:<ref name=":0">{{Cite web \|date=1 Apr 2025 \|title=Ally Invest Securities Trust Account Application \|url=https://www.ally.com/content/dam/pdf/invest/invest-trust-application.pdf \|url-status=live \|archive-url=https://~~archive~~.ph/~~BzhwS~~ \|archive-date=~~5 Jan 2026~~ \|access-date=25 Nov 2025 \|website=Ally}}</ref>		Ally Invest may present customers with agreements that [[Forced arbitration\|force arbitration]], without an opt-out clause:<ref name=":0">{{Cite web \|date=1 Apr 2025 \|title=Ally Invest Securities Trust Account Application \|url=https://www.ally.com/content/dam/pdf/invest/invest-trust-application.pdf \|url-status=live \|archive-url=http://web.archive.org/web/20250429004400/https://www.ally.com/content/dam/pdf/invest/invest-trust-application.pdf \|archive-date=29 Apr 2025\|access-date=25 Nov 2025 \|website=Ally}}</ref>
	<blockquote>THIS AGREEMENT CONTAINS A PRE-DISPUTE ARBITRATION CLAUSE. BY SIGNING THIS AGREEMENT, THE PARTIES AGREE AS FOLLOWS:		<blockquote>THIS AGREEMENT CONTAINS A PRE-DISPUTE ARBITRATION CLAUSE. BY SIGNING THIS AGREEMENT, THE PARTIES AGREE AS FOLLOWS:
	(I) ALL PARTIES TO THIS AGREEMENT ARE GIVING UP THE RIGHT TO SUE EACH OTHER IN COURT, INCLUDING THE RIGHT TO A JURY, EXCEPT AS PROVIDED BY THE RULES OF THE ARBITRATION FORUM IN WHICH A CLAIM IS FILED.</blockquote>		(I) ALL PARTIES TO THIS AGREEMENT ARE GIVING UP THE RIGHT TO SUE EACH OTHER IN COURT, INCLUDING THE RIGHT TO A JURY, EXCEPT AS PROVIDED BY THE RULES OF THE ARBITRATION FORUM IN WHICH A CLAIM IS FILED.</blockquote>
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	===Interest rates charged===		===Interest rates charged===
	Ally Invest may be charging customers a higher rate of interest than the maximum allowed rate named in statutory laws in some jurisdictions in the United States. For example, the 2024 Maryland Code Commercial law sec. 12-102<ref>{{Cite web \|date=2024 \|title=General Legal Rate of Interest \|url=https://law.justia.com/codes/maryland/commercial-law/title-12/subtitle-1/section-12-102/ \|url-status=live \|archive-url=https://~~archive~~.ph/~~SZNEj~~ \|archive-date=~~5 Jan 2026~~ \|access-date=25 Nov 2025 \|website=Justitia U.S. Law}}</ref> states a maximum rate of interest of 6 percent per annum, but Ally Invest does not specify that it does not allow its interest rates to go above 6% for customers residing in Maryland. It is worth noting, however, that other companies providing brokerage services publicly advertise similarly high (less favorable) interest rates to customers. As of 2025-01-19, the public-facing Ally Invest website cites a margin loan interest rate as of 2024-12-18 of between 7.50% and 12%.{{Citation needed\|date=November 2025}}		Ally Invest may be charging customers a higher rate of interest than the maximum allowed rate named in statutory laws in some jurisdictions in the United States. For example, the 2024 Maryland Code Commercial law sec. 12-102<ref>{{Cite web \|date=2024 \|title=General Legal Rate of Interest \|url=https://law.justia.com/codes/maryland/commercial-law/title-12/subtitle-1/section-12-102/ \|url-status=live \|archive-url=http://web.archive.org/web/20250708180921/https://law.justia.com/codes/maryland/commercial-law/title-12/subtitle-1/section-12-102/ \|archive-date=8 Jul 2025\|access-date=25 Nov 2025 \|website=Justitia U.S. Law}}</ref> states a maximum rate of interest of 6 percent per annum, but Ally Invest does not specify that it does not allow its interest rates to go above 6% for customers residing in Maryland. It is worth noting, however, that other companies providing brokerage services publicly advertise similarly high (less favorable) interest rates to customers. As of 2025-01-19, the public-facing Ally Invest website cites a margin loan interest rate as of 2024-12-18 of between 7.50% and 12%.{{Citation needed\|date=November 2025}}

	==Products==		==Products==

SinexTitan: restoration to a brand article

2026-01-25T14:53:03Z

restoration to a brand article

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	Ally Invest provides services to customers who are natural persons or legal entities such as trusts.		Ally Invest provides services to customers who are natural persons or legal entities such as trusts.

	==~~Consumer impact summary~~==		==Incidents==
			This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the [[:Category:{{FULLPAGENAME}}\|{{PAGENAME}} category]].

	===Forced arbitration===		===Forced arbitration===
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	===Interest rates charged===		===Interest rates charged===
	Ally Invest may be charging customers a higher rate of interest than the maximum allowed rate named in statutory laws in some jurisdictions in the United States. For example, the 2024 Maryland Code Commercial law sec. 12-102<ref>{{Cite web \|date=2024 \|title=General Legal Rate of Interest \|url=https://law.justia.com/codes/maryland/commercial-law/title-12/subtitle-1/section-12-102/ \|url-status=live \|archive-url=https://archive.ph/SZNEj \|archive-date=5 Jan 2026 \|access-date=25 Nov 2025 \|website=Justitia U.S. Law}}</ref> states a maximum rate of interest of 6 percent per annum, but Ally Invest does not specify that it does not allow its interest rates to go above 6% for customers residing in Maryland. It is worth noting, however, that other companies providing brokerage services publicly advertise similarly high (less favorable) interest rates to customers. As of 2025-01-19, the public-facing Ally Invest website cites a margin loan interest rate as of 2024-12-18 of between 7.50% and 12%.{{Citation needed\|date=November 2025}}		Ally Invest may be charging customers a higher rate of interest than the maximum allowed rate named in statutory laws in some jurisdictions in the United States. For example, the 2024 Maryland Code Commercial law sec. 12-102<ref>{{Cite web \|date=2024 \|title=General Legal Rate of Interest \|url=https://law.justia.com/codes/maryland/commercial-law/title-12/subtitle-1/section-12-102/ \|url-status=live \|archive-url=https://archive.ph/SZNEj \|archive-date=5 Jan 2026 \|access-date=25 Nov 2025 \|website=Justitia U.S. Law}}</ref> states a maximum rate of interest of 6 percent per annum, but Ally Invest does not specify that it does not allow its interest rates to go above 6% for customers residing in Maryland. It is worth noting, however, that other companies providing brokerage services publicly advertise similarly high (less favorable) interest rates to customers. As of 2025-01-19, the public-facing Ally Invest website cites a margin loan interest rate as of 2024-12-18 of between 7.50% and 12%.{{Citation needed\|date=November 2025}}

			==Products==
			{{Ph-C-P}}

			==See also==
			{{Ph-C-SA}}

	==References==		==References==
	{{~~Reflist~~}}		{{reflist}}

			[[Category:{{PAGENAME}}]]

	~~[[Category:Ally Invest Securities]]~~
	[[Category:Forced arbitration]]		[[Category:Forced arbitration]]
	[[Category:Articles in need of citations]]		[[Category:Articles in need of citations]]

Bythmusters: Copied info from infobox to cargo

2026-01-25T14:18:56Z

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← Older revision		Revision as of 14:18, 25 January 2026
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	{{Incomplete}}		{{Incomplete}}
			{{CompanyCargo
			\|Description=
	~~{{InfoboxCompany~~		\|Founded=2016
	\| ~~Name~~ = ~~Ally Invest~~		\|Industry=Brokerage, Finance
	\| ~~Type~~ = ~~Subsidiary~~		\|Logo=Ally Financial Logo.svg
	\| ~~Founded~~ = ~~2016~~		\|ParentCompany=
	\| ~~Industry~~ = ~~Stockbrokering~~		\|Type=Subsidiary
	\| ~~Official~~ Website = https://www.ally.com/invest		\|Website=https://www.ally.com/invest
	~~\| Logo = Ally Financial Logo.svg~~
	}}		}}

	'''Ally Invest Securities, LLC''' (also known as '''Ally Invest''') is a wholly-owned subsidiary of [[Ally Financial]]<ref>{{Cite web \|date=25 Nov 2025 \|title=We’re not just raising the bar, we’re redefining it. \|url=https://www.ally.com/about/ \|url-status=live \|archive-url=https://archive.ph/DnDW0 \|archive-date=5 Jan 2026 \|access-date=25 Nov 2025 \|website=Ally}}</ref> which provides securities brokerage and financial services.		'''Ally Invest Securities, LLC''' (also known as '''Ally Invest''') is a wholly-owned subsidiary of [[Ally Financial]]<ref>{{Cite web \|date=25 Nov 2025 \|title=We’re not just raising the bar, we’re redefining it. \|url=https://www.ally.com/about/ \|url-status=live \|archive-url=https://archive.ph/DnDW0 \|archive-date=5 Jan 2026 \|access-date=25 Nov 2025 \|website=Ally}}</ref> which provides securities brokerage and financial services.

BobSagetFan1212: fixed archived date

2026-01-05T04:51:58Z

fixed archived date

← Older revision		Revision as of 04:51, 5 January 2026
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	}}		}}

	'''Ally Invest Securities, LLC''' (also known as '''Ally Invest''') is a wholly-owned subsidiary of [[Ally Financial]]<ref>{{Cite web \|date=25 Nov 2025 \|title=We’re not just raising the bar, we’re redefining it. \|url=https://www.ally.com/about/ \|url-status=live \|archive-url=https://archive.ph/DnDW0 \|archive-date=2026~~-01-04~~ \|access-date=25 Nov 2025 \|website=Ally}}</ref> which provides securities brokerage and financial services.		'''Ally Invest Securities, LLC''' (also known as '''Ally Invest''') is a wholly-owned subsidiary of [[Ally Financial]]<ref>{{Cite web \|date=25 Nov 2025 \|title=We’re not just raising the bar, we’re redefining it. \|url=https://www.ally.com/about/ \|url-status=live \|archive-url=https://archive.ph/DnDW0 \|archive-date=5 Jan 2026 \|access-date=25 Nov 2025 \|website=Ally}}</ref> which provides securities brokerage and financial services.

	Ally Invest provides services to customers who are natural persons or legal entities such as trusts.		Ally Invest provides services to customers who are natural persons or legal entities such as trusts.
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	===Forced arbitration===		===Forced arbitration===
	Ally Invest may present customers with agreements that [[Forced arbitration\|force arbitration]], without an opt-out clause:<ref name=":0">{{Cite web \|date=1 Apr 2025 \|title=Ally Invest Securities Trust Account Application \|url=https://www.ally.com/content/dam/pdf/invest/invest-trust-application.pdf \|url-status=live \|archive-url=https://archive.ph/BzhwS \|archive-date=2026~~-01-04~~ \|access-date=25 Nov 2025 \|website=Ally}}</ref>		Ally Invest may present customers with agreements that [[Forced arbitration\|force arbitration]], without an opt-out clause:<ref name=":0">{{Cite web \|date=1 Apr 2025 \|title=Ally Invest Securities Trust Account Application \|url=https://www.ally.com/content/dam/pdf/invest/invest-trust-application.pdf \|url-status=live \|archive-url=https://archive.ph/BzhwS \|archive-date=5 Jan 2026 \|access-date=25 Nov 2025 \|website=Ally}}</ref>
	<blockquote>THIS AGREEMENT CONTAINS A PRE-DISPUTE ARBITRATION CLAUSE. BY SIGNING THIS AGREEMENT, THE PARTIES AGREE AS FOLLOWS:		<blockquote>THIS AGREEMENT CONTAINS A PRE-DISPUTE ARBITRATION CLAUSE. BY SIGNING THIS AGREEMENT, THE PARTIES AGREE AS FOLLOWS:
	(I) ALL PARTIES TO THIS AGREEMENT ARE GIVING UP THE RIGHT TO SUE EACH OTHER IN COURT, INCLUDING THE RIGHT TO A JURY, EXCEPT AS PROVIDED BY THE RULES OF THE ARBITRATION FORUM IN WHICH A CLAIM IS FILED.</blockquote>		(I) ALL PARTIES TO THIS AGREEMENT ARE GIVING UP THE RIGHT TO SUE EACH OTHER IN COURT, INCLUDING THE RIGHT TO A JURY, EXCEPT AS PROVIDED BY THE RULES OF THE ARBITRATION FORUM IN WHICH A CLAIM IS FILED.</blockquote>
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	===Interest rates charged===		===Interest rates charged===
	Ally Invest may be charging customers a higher rate of interest than the maximum allowed rate named in statutory laws in some jurisdictions in the United States. For example, the 2024 Maryland Code Commercial law sec. 12-102<ref>{{Cite web \|date=2024 \|title=General Legal Rate of Interest \|url=https://law.justia.com/codes/maryland/commercial-law/title-12/subtitle-1/section-12-102/ \|url-status=live \|archive-url=https://archive.ph/SZNEj \|archive-date=2026~~-01-04~~ \|access-date=25 Nov 2025 \|website=Justitia U.S. Law}}</ref> states a maximum rate of interest of 6 percent per annum, but Ally Invest does not specify that it does not allow its interest rates to go above 6% for customers residing in Maryland. It is worth noting, however, that other companies providing brokerage services publicly advertise similarly high (less favorable) interest rates to customers. As of 2025-01-19, the public-facing Ally Invest website cites a margin loan interest rate as of 2024-12-18 of between 7.50% and 12%.{{Citation needed\|date=November 2025}}		Ally Invest may be charging customers a higher rate of interest than the maximum allowed rate named in statutory laws in some jurisdictions in the United States. For example, the 2024 Maryland Code Commercial law sec. 12-102<ref>{{Cite web \|date=2024 \|title=General Legal Rate of Interest \|url=https://law.justia.com/codes/maryland/commercial-law/title-12/subtitle-1/section-12-102/ \|url-status=live \|archive-url=https://archive.ph/SZNEj \|archive-date=5 Jan 2026 \|access-date=25 Nov 2025 \|website=Justitia U.S. Law}}</ref> states a maximum rate of interest of 6 percent per annum, but Ally Invest does not specify that it does not allow its interest rates to go above 6% for customers residing in Maryland. It is worth noting, however, that other companies providing brokerage services publicly advertise similarly high (less favorable) interest rates to customers. As of 2025-01-19, the public-facing Ally Invest website cites a margin loan interest rate as of 2024-12-18 of between 7.50% and 12%.{{Citation needed\|date=November 2025}}
	==References==		==References==
	{{Reflist}}		{{Reflist}}

BobSagetFan1212: added archive link with archive date

2026-01-05T02:22:18Z

added archive link with archive date

← Older revision		Revision as of 02:22, 5 January 2026
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	}}		}}

	'''Ally Invest Securities, LLC''' (also known as '''Ally Invest''') is a wholly-owned subsidiary of [[Ally Financial]]<ref>{{Cite web \|date=25 Nov 2025 \|title=We’re not just raising the bar, we’re redefining it. \|url=https://www.ally.com/about/ \|url-status=live \|access-date=25 Nov 2025 \|website=Ally}}</ref> which provides securities brokerage and financial services.		'''Ally Invest Securities, LLC''' (also known as '''Ally Invest''') is a wholly-owned subsidiary of [[Ally Financial]]<ref>{{Cite web \|date=25 Nov 2025 \|title=We’re not just raising the bar, we’re redefining it. \|url=https://www.ally.com/about/ \|url-status=live \|archive-url=https://archive.ph/DnDW0 \|archive-date=2026-01-04 \|access-date=25 Nov 2025 \|website=Ally}}</ref> which provides securities brokerage and financial services.

	Ally Invest provides services to customers who are natural persons or legal entities such as trusts.		Ally Invest provides services to customers who are natural persons or legal entities such as trusts.
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	===Forced arbitration===		===Forced arbitration===
	Ally Invest may present customers with agreements that [[Forced arbitration\|force arbitration]], without an opt-out clause:<ref name=":0">{{Cite web \|date=1 Apr 2025 \|title=Ally Invest Securities Trust Account Application \|url=https://www.ally.com/content/dam/pdf/invest/invest-trust-application.pdf \|url-status=live \|access-date=25 Nov 2025 \|website=Ally}}</ref>		Ally Invest may present customers with agreements that [[Forced arbitration\|force arbitration]], without an opt-out clause:<ref name=":0">{{Cite web \|date=1 Apr 2025 \|title=Ally Invest Securities Trust Account Application \|url=https://www.ally.com/content/dam/pdf/invest/invest-trust-application.pdf \|url-status=live \|archive-url=https://archive.ph/BzhwS \|archive-date=2026-01-04 \|access-date=25 Nov 2025 \|website=Ally}}</ref>
	<blockquote>THIS AGREEMENT CONTAINS A PRE-DISPUTE ARBITRATION CLAUSE. BY SIGNING THIS AGREEMENT, THE PARTIES AGREE AS FOLLOWS:		<blockquote>THIS AGREEMENT CONTAINS A PRE-DISPUTE ARBITRATION CLAUSE. BY SIGNING THIS AGREEMENT, THE PARTIES AGREE AS FOLLOWS:
	(I) ALL PARTIES TO THIS AGREEMENT ARE GIVING UP THE RIGHT TO SUE EACH OTHER IN COURT, INCLUDING THE RIGHT TO A JURY, EXCEPT AS PROVIDED BY THE RULES OF THE ARBITRATION FORUM IN WHICH A CLAIM IS FILED.</blockquote>		(I) ALL PARTIES TO THIS AGREEMENT ARE GIVING UP THE RIGHT TO SUE EACH OTHER IN COURT, INCLUDING THE RIGHT TO A JURY, EXCEPT AS PROVIDED BY THE RULES OF THE ARBITRATION FORUM IN WHICH A CLAIM IS FILED.</blockquote>
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	===Interest rates charged===		===Interest rates charged===
	Ally Invest may be charging customers a higher rate of interest than the maximum allowed rate named in statutory laws in some jurisdictions in the United States. For example, the 2024 Maryland Code Commercial law sec. 12-102<ref>{{Cite web \|date=2024 \|title=General Legal Rate of Interest \|url=https://law.justia.com/codes/maryland/commercial-law/title-12/subtitle-1/section-12-102/ \|url-status=live \|access-date=25 Nov 2025 \|website=Justitia U.S. Law}}</ref> states a maximum rate of interest of 6 percent per annum, but Ally Invest does not specify that it does not allow its interest rates to go above 6% for customers residing in Maryland. It is worth noting, however, that other companies providing brokerage services publicly advertise similarly high (less favorable) interest rates to customers. As of 2025-01-19, the public-facing Ally Invest website cites a margin loan interest rate as of 2024-12-18 of between 7.50% and 12%.{{Citation needed\|date=November 2025}}		Ally Invest may be charging customers a higher rate of interest than the maximum allowed rate named in statutory laws in some jurisdictions in the United States. For example, the 2024 Maryland Code Commercial law sec. 12-102<ref>{{Cite web \|date=2024 \|title=General Legal Rate of Interest \|url=https://law.justia.com/codes/maryland/commercial-law/title-12/subtitle-1/section-12-102/ \|url-status=live \|archive-url=https://archive.ph/SZNEj \|archive-date=2026-01-04 \|access-date=25 Nov 2025 \|website=Justitia U.S. Law}}</ref> states a maximum rate of interest of 6 percent per annum, but Ally Invest does not specify that it does not allow its interest rates to go above 6% for customers residing in Maryland. It is worth noting, however, that other companies providing brokerage services publicly advertise similarly high (less favorable) interest rates to customers. As of 2025-01-19, the public-facing Ally Invest website cites a margin loan interest rate as of 2024-12-18 of between 7.50% and 12%.{{Citation needed\|date=November 2025}}
	==References==		==References==
	{{Reflist}}		{{Reflist}}

Reform: 2 speculative & uncited statements have been removed, all sources have been upgraded, and a header has been adjusted to align better with the Peloton example Company article. Also 2 categories and several Citation needed markers have been added, and non-referential links at the bottom have been removed.

2025-11-25T21:41:49Z

2 speculative & uncited statements have been removed, all sources have been upgraded, and a header has been adjusted to align better with the Peloton example Company article. Also 2 categories and several Citation needed markers have been added, and non-referential links at the bottom have been removed.

Sojourna: /* References */ change category to lower-case, section itself needs cleaning

2025-11-13T04:28:36Z

References: change category to lower-case, section itself needs cleaning

← Older revision		Revision as of 04:28, 13 November 2025
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	Ally Invest may be charging customers a higher rate of interest than the maximum allowed rate named in statutory laws in some jurisdictions in the United States. For example, the 2024 Maryland Code Commercial law sec. 12-102<ref>https://law.justia.com/codes/maryland/commercial-law/title-12/subtitle-1/section-12-102/</ref> states a maximum rate of interest of 6 percent per annum, but Ally Invest does not specify that it does not allow its interest rates to go above 6% for customers residing in Maryland. It is worth noting, however, that other companies providing brokerage services publicly advertise similarly high (less favorable) interest rates to customers. As of 2025-01-19, the public-facing Ally Invest website cites a margin loan interest rate as of 2024-12-18 of between 7.50% and 12%.		Ally Invest may be charging customers a higher rate of interest than the maximum allowed rate named in statutory laws in some jurisdictions in the United States. For example, the 2024 Maryland Code Commercial law sec. 12-102<ref>https://law.justia.com/codes/maryland/commercial-law/title-12/subtitle-1/section-12-102/</ref> states a maximum rate of interest of 6 percent per annum, but Ally Invest does not specify that it does not allow its interest rates to go above 6% for customers residing in Maryland. It is worth noting, however, that other companies providing brokerage services publicly advertise similarly high (less favorable) interest rates to customers. As of 2025-01-19, the public-facing Ally Invest website cites a margin loan interest rate as of 2024-12-18 of between 7.50% and 12%.
	==References==		==References==
			{{Reflist}}

	https://www.ally.com/invest/		https://www.ally.com/invest/

	https://www.ally.com/invest/self-directed-trading/margin-account/		https://www.ally.com/invest/self-directed-trading/margin-account/
	~~<references />~~
	[[Category:Ally Invest Securities]]		[[Category:Ally Invest Securities]]
	[[Category:Forced ~~Arbitration~~]]		[[Category:Forced arbitration]]

InTransparencyWeTrust at 20:09, 4 March 2025

2025-03-04T20:09:23Z

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	<references />		<references />
	[[Category:Ally Invest Securities]]		[[Category:Ally Invest Securities]]
	~~[[Category:Usury]]~~
	[[Category:Forced Arbitration]]		[[Category:Forced Arbitration]]
	~~[[Category:Ally]]~~

Emanuele: Added category

2025-03-04T19:44:57Z

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	[[Category:Usury]]		[[Category:Usury]]
	[[Category:Forced Arbitration]]		[[Category:Forced Arbitration]]
			[[Category:Ally]]

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2025-02-17T12:31:13Z

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← Older revision		Revision as of 12:31, 17 February 2025
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	{{Incomplete}}		{{Incomplete}}



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	\| Industry = Stockbrokering		\| Industry = Stockbrokering
	\| Official Website = https://www.ally.com/invest		\| Official Website = https://www.ally.com/invest
	\| Logo = ~~QuestionMark~~.svg		\| Logo = Ally Financial Logo.svg
	}}		}}

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	===Forced arbitration===		===Forced arbitration===
	Ally Invest may present customers with agreements that [[Forced arbitration\|force arbitration]], without an opt-out clause:		Ally Invest may present customers with agreements that [[Forced arbitration\|force arbitration]], without an opt-out clause:<ref name=":0">https://www.ally.com/content/dam/pdf/invest/invest-trust-application.pdf</ref>
	<blockquote>THIS AGREEMENT CONTAINS A PRE-DISPUTE ARBITRATION CLAUSE. BY SIGNING THIS AGREEMENT, THE PARTIES AGREE AS FOLLOWS:		<blockquote>THIS AGREEMENT CONTAINS A PRE-DISPUTE ARBITRATION CLAUSE. BY SIGNING THIS AGREEMENT, THE PARTIES AGREE AS FOLLOWS:
	(I) ALL PARTIES TO THIS AGREEMENT ARE GIVING UP THE RIGHT TO SUE EACH OTHER IN COURT, INCLUDING THE RIGHT TO A JURY, EXCEPT AS PROVIDED BY THE RULES OF THE ARBITRATION FORUM IN WHICH A CLAIM IS FILED.</blockquote>		(I) ALL PARTIES TO THIS AGREEMENT ARE GIVING UP THE RIGHT TO SUE EACH OTHER IN COURT, INCLUDING THE RIGHT TO A JURY, EXCEPT AS PROVIDED BY THE RULES OF THE ARBITRATION FORUM IN WHICH A CLAIM IS FILED.</blockquote>
	===Asymmetric indemnification clauses===		===Asymmetric indemnification clauses===
	Ally Invest may present customers with an account agreement which includes language like the following:		Ally Invest may present customers with an account agreement which includes language like the following:<ref name=":0" />
	<blockquote>In addition, I agree that the Indemnified Parties will not be liable for any Losses that result from....any activities of or services provided by the Indemnified Parties in connection with My Account (including, without limitation, any technology services, reporting, trading, research or capital introduction services)</blockquote>		<blockquote>In addition, I agree that the Indemnified Parties will not be liable for any Losses that result from....any activities of or services provided by the Indemnified Parties in connection with My Account (including, without limitation, any technology services, reporting, trading, research or capital introduction services)</blockquote>
	<blockquote>I consent to the use of automated systems....I understand that the use of Automated Systems entails risks...that could cause substantial damage, expense or liability to Me. I understand and agree that Indemnified Parties will have no liability whatsoever for any Losses arising out of or relating to a System Failure.</blockquote>		<blockquote>I consent to the use of automated systems....I understand that the use of Automated Systems entails risks...that could cause substantial damage, expense or liability to Me. I understand and agree that Indemnified Parties will have no liability whatsoever for any Losses arising out of or relating to a System Failure.</blockquote>
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	===Information collection and sharing===		===Information collection and sharing===
	Ally Invest may use or transmit data related to a customer's account or device with a wireless carrier. They may present customers with account applications specifying text like the following:		Ally Invest may use or transmit data related to a customer's account or device with a wireless carrier. They may present customers with account applications specifying text like the following:<ref name=":0" />
	<blockquote>Customer Authentication. I authorize My wireless carrier to use or disclose information about My account and My wireless device, if available, to AIS or its service provider for the duration of My business relationship, solely to help them identify Me or My wireless device and to prevent fraud.</blockquote>		<blockquote>Customer Authentication. I authorize My wireless carrier to use or disclose information about My account and My wireless device, if available, to AIS or its service provider for the duration of My business relationship, solely to help them identify Me or My wireless device and to prevent fraud.</blockquote>
	Customers who are concerned over their physical and cyber security potentially being affected by an account agreement but without any stated opt-out could compare this position with competitors and/or to regulatory or court filings and statements to assess the legal position of this practice.		Customers who are concerned over their physical and cyber security potentially being affected by an account agreement but without any stated opt-out could compare this position with competitors and/or to regulatory or court filings and statements to assess the legal position of this practice.

	===Piercing the corporate veil===		===Piercing the corporate veil===
	Ally Invest may try to require customers provide it with a security interest in their property that reaches beyond the relationship strictly between the customer and Ally Invest Securities:		Ally Invest may try to require customers provide it with a security interest in their property that reaches beyond the relationship strictly between the customer and Ally Invest Securities:<ref name=":0" />
	<blockquote>Setoff and Security Interest Rights. I grant AIS a security interest in each of My accounts with AIS and its affiliates (each, an “Ally Company”) for obligations owing to any Ally Company.</blockquote>		<blockquote>Setoff and Security Interest Rights. I grant AIS a security interest in each of My accounts with AIS and its affiliates (each, an “Ally Company”) for obligations owing to any Ally Company.</blockquote>
	An intentionally broad and/or vague definition of "affiliates" could be an attempt of Ally Invest Securities to use the customer's property to satisfy business dealings that are not directly between the customer and Ally Invest Securities.		An intentionally broad and/or vague definition of "affiliates" could be an attempt of Ally Invest Securities to use the customer's property to satisfy business dealings that are not directly between the customer and Ally Invest Securities.
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	===Interest rates charged===		===Interest rates charged===
	Ally Invest may be charging customers a higher rate of interest than the maximum allowed rate named in statutory laws in some jurisdictions in the United States. For example, the 2024 Maryland Code Commercial law sec. 12-102 states a maximum rate of interest of 6 percent per annum, but Ally Invest does not specify that it does not allow its interest rates to go above 6% for customers residing in Maryland. It is worth noting, however, that other companies providing brokerage services publicly advertise similarly high (less favorable) interest rates to customers. As of 2025-01-19, the public-facing Ally Invest website cites a margin loan interest rate as of 2024-12-18 of between 7.50% and 12%.		Ally Invest may be charging customers a higher rate of interest than the maximum allowed rate named in statutory laws in some jurisdictions in the United States. For example, the 2024 Maryland Code Commercial law sec. 12-102<ref>https://law.justia.com/codes/maryland/commercial-law/title-12/subtitle-1/section-12-102/</ref> states a maximum rate of interest of 6 percent per annum, but Ally Invest does not specify that it does not allow its interest rates to go above 6% for customers residing in Maryland. It is worth noting, however, that other companies providing brokerage services publicly advertise similarly high (less favorable) interest rates to customers. As of 2025-01-19, the public-facing Ally Invest website cites a margin loan interest rate as of 2024-12-18 of between 7.50% and 12%.
	==References==		==References==
	https://www.ally.com/invest/		https://www.ally.com/invest/

	~~https://www.ally.com/content/dam/pdf/invest/invest-trust-application.pdf~~

	~~https://law.justia.com/codes/maryland/commercial-law/title-12/subtitle-1/section-12-102/~~

	https://www.ally.com/invest/self-directed-trading/margin-account/		https://www.ally.com/invest/self-directed-trading/margin-account/
			<references />
	[[Category:Ally Invest Securities]]		[[Category:Ally Invest Securities]]
	[[Category:Usury]]		[[Category:Usury]]
	[[Category:Forced Arbitration]]		[[Category:Forced Arbitration]]

← Older revision		Revision as of 21:41, 25 November 2025
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	}}		}}

	'''Ally Invest Securities, LLC''' (also known as '''Ally Invest''') is a wholly-owned subsidiary of [[Ally Financial]] which provides securities brokerage and financial services.		'''Ally Invest Securities, LLC''' (also known as '''Ally Invest''') is a wholly-owned subsidiary of [[Ally Financial]]<ref>{{Cite web \|date=25 Nov 2025 \|title=We’re not just raising the bar, we’re redefining it. \|url=https://www.ally.com/about/ \|url-status=live \|access-date=25 Nov 2025 \|website=Ally}}</ref> which provides securities brokerage and financial services.

	Ally Invest provides services to customers who are natural persons or legal entities such as trusts.		Ally Invest provides services to customers who are natural persons or legal entities such as trusts.

	==~~Select business and consumer practices~~==		==Consumer impact summary==

	===Forced arbitration===		===Forced arbitration===
	Ally Invest may present customers with agreements that [[Forced arbitration\|force arbitration]], without an opt-out clause:<ref name=":0">https://www.ally.com/content/dam/pdf/invest/invest-trust-application.pdf</ref>		Ally Invest may present customers with agreements that [[Forced arbitration\|force arbitration]], without an opt-out clause:<ref name=":0">{{Cite web \|date=1 Apr 2025 \|title=Ally Invest Securities Trust Account Application \|url=https://www.ally.com/content/dam/pdf/invest/invest-trust-application.pdf \|url-status=live \|access-date=25 Nov 2025 \|website=Ally}}</ref>
	<blockquote>THIS AGREEMENT CONTAINS A PRE-DISPUTE ARBITRATION CLAUSE. BY SIGNING THIS AGREEMENT, THE PARTIES AGREE AS FOLLOWS:		<blockquote>THIS AGREEMENT CONTAINS A PRE-DISPUTE ARBITRATION CLAUSE. BY SIGNING THIS AGREEMENT, THE PARTIES AGREE AS FOLLOWS:
	(I) ALL PARTIES TO THIS AGREEMENT ARE GIVING UP THE RIGHT TO SUE EACH OTHER IN COURT, INCLUDING THE RIGHT TO A JURY, EXCEPT AS PROVIDED BY THE RULES OF THE ARBITRATION FORUM IN WHICH A CLAIM IS FILED.</blockquote>		(I) ALL PARTIES TO THIS AGREEMENT ARE GIVING UP THE RIGHT TO SUE EACH OTHER IN COURT, INCLUDING THE RIGHT TO A JURY, EXCEPT AS PROVIDED BY THE RULES OF THE ARBITRATION FORUM IN WHICH A CLAIM IS FILED.</blockquote>
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	<blockquote>In addition, I agree that the Indemnified Parties will not be liable for any Losses that result from....any activities of or services provided by the Indemnified Parties in connection with My Account (including, without limitation, any technology services, reporting, trading, research or capital introduction services)</blockquote>		<blockquote>In addition, I agree that the Indemnified Parties will not be liable for any Losses that result from....any activities of or services provided by the Indemnified Parties in connection with My Account (including, without limitation, any technology services, reporting, trading, research or capital introduction services)</blockquote>
	<blockquote>I consent to the use of automated systems....I understand that the use of Automated Systems entails risks...that could cause substantial damage, expense or liability to Me. I understand and agree that Indemnified Parties will have no liability whatsoever for any Losses arising out of or relating to a System Failure.</blockquote>		<blockquote>I consent to the use of automated systems....I understand that the use of Automated Systems entails risks...that could cause substantial damage, expense or liability to Me. I understand and agree that Indemnified Parties will have no liability whatsoever for any Losses arising out of or relating to a System Failure.</blockquote>
	But in practice, the customer will be expected to unconditionally make timely and competent performance on cash, securities, instructions, documents, etc. or suffer consequences like margin loan interest without any provision for indemnification.		But in practice, the customer will be expected to unconditionally make timely and competent performance on cash, securities, instructions, documents, etc. or suffer consequences like margin loan interest without any provision for indemnification.{{Citation needed\|reason=Personal account}}

	Similarly, Ally Invest requires the customer to endorse a sweeping guarantee of "Information Accuracy" but does not make the same guarantee (specifies indemnity for itself instead).		Similarly, Ally Invest requires the customer to endorse a sweeping guarantee of "Information Accuracy" but does not make the same guarantee (specifies indemnity for itself instead).{{Citation needed\|date=November 2025}}

	~~Customers should be aware that Ally Invest may exercise great pain to indemnify itself which could result in economic loss to customers.~~

	===Information collection and sharing===		===Information collection and sharing===
	Ally Invest may use or transmit data related to a customer's account or device with a wireless carrier. They may present customers with account applications specifying text like the following:<ref name=":0" />		Ally Invest may use or transmit data related to a customer's account or device with a wireless carrier. They may present customers with account applications specifying text like the following:<ref name=":0" />
	<blockquote>Customer Authentication. I authorize My wireless carrier to use or disclose information about My account and My wireless device, if available, to AIS or its service provider for the duration of My business relationship, solely to help them identify Me or My wireless device and to prevent fraud.</blockquote>		<blockquote>Customer Authentication. I authorize My wireless carrier to use or disclose information about My account and My wireless device, if available, to AIS or its service provider for the duration of My business relationship, solely to help them identify Me or My wireless device and to prevent fraud.</blockquote>
	Customers who are concerned over their physical and cyber security potentially being affected by an account agreement but without any stated opt-out could compare this position with competitors and/or to regulatory or court filings and statements to assess the legal position of this practice.

	===Piercing the corporate veil===		===Piercing the corporate veil===
	Ally Invest may try to require customers provide it with a security interest in their property that reaches beyond the relationship strictly between the customer and Ally Invest Securities:<ref name=":0" />		Ally Invest may try to require customers provide it with a security interest in their property that reaches beyond the relationship strictly between the customer and Ally Invest Securities:<ref name=":0" />
	<blockquote>Setoff and Security Interest Rights. I grant AIS a security interest in each of My accounts with AIS and its affiliates (each, an “Ally Company”) for obligations owing to any Ally Company.</blockquote>		<blockquote>Setoff and Security Interest Rights. I grant AIS a security interest in each of My accounts with AIS and its affiliates (each, an “Ally Company”) for obligations owing to any Ally Company.</blockquote>
	An intentionally broad and/or vague definition of "affiliates" could be an attempt of Ally Invest Securities to use the customer's property to satisfy business dealings that are not directly between the customer and Ally Invest Securities.		An intentionally broad and/or vague definition of "affiliates" could<!-- Don't speculate, instead report on cited sources. --> be an attempt of Ally Invest Securities to use the customer's property to satisfy business dealings that are not directly between the customer and Ally Invest Securities.{{Citation needed\|date=November 2025}}

	Customers should be aware of the risk that Ally Invest Securities may have already invested in legal arguments on this matter that could result in the customer's substantial economic losses in the case that one of Ally's related interests (potentially a very close "affiliate") is able to create a successful claim against customer property where such a breadth of (successful) claimants may not have existed under similar circumstances (such as with a different broker).		Customers should be aware of the risk that Ally Invest Securities may have already invested in legal arguments on this matter that could result in the customer's substantial economic losses in the case that one of Ally's related interests (potentially a very close "affiliate") is able to create a successful claim against customer property where such a breadth of (successful) claimants may not have existed under similar circumstances (such as with a different broker).{{Citation needed\|date=November 2025}}

	===Interest rates charged===		===Interest rates charged===
	Ally Invest may be charging customers a higher rate of interest than the maximum allowed rate named in statutory laws in some jurisdictions in the United States. For example, the 2024 Maryland Code Commercial law sec. 12-102<ref>https://law.justia.com/codes/maryland/commercial-law/title-12/subtitle-1/section-12-102/</ref> states a maximum rate of interest of 6 percent per annum, but Ally Invest does not specify that it does not allow its interest rates to go above 6% for customers residing in Maryland. It is worth noting, however, that other companies providing brokerage services publicly advertise similarly high (less favorable) interest rates to customers. As of 2025-01-19, the public-facing Ally Invest website cites a margin loan interest rate as of 2024-12-18 of between 7.50% and 12%.		Ally Invest may be charging customers a higher rate of interest than the maximum allowed rate named in statutory laws in some jurisdictions in the United States. For example, the 2024 Maryland Code Commercial law sec. 12-102<ref>{{Cite web \|date=2024 \|title=General Legal Rate of Interest \|url=https://law.justia.com/codes/maryland/commercial-law/title-12/subtitle-1/section-12-102/ \|url-status=live \|access-date=25 Nov 2025 \|website=Justitia U.S. Law}}</ref> states a maximum rate of interest of 6 percent per annum, but Ally Invest does not specify that it does not allow its interest rates to go above 6% for customers residing in Maryland. It is worth noting, however, that other companies providing brokerage services publicly advertise similarly high (less favorable) interest rates to customers. As of 2025-01-19, the public-facing Ally Invest website cites a margin loan interest rate as of 2024-12-18 of between 7.50% and 12%.{{Citation needed\|date=November 2025}}
	==References==		==References==
	{{Reflist}}		{{Reflist}}

	~~https://www.ally.com/invest/~~

	~~https://www.ally.com/invest/self-directed-trading/margin-account/~~

	[[Category:Ally Invest Securities]]		[[Category:Ally Invest Securities]]
	[[Category:Forced arbitration]]		[[Category:Forced arbitration]]
			[[Category:Articles in need of citations]]