sec-retail-communications-prolisted

# SEC Retail Communications Self-Audit Pro — 25 Rules Apply this skill when your marketing asset reaches US consumers (geo-targeted ads, US-language localisation, US-resident KOLs, app stores serving US users, web pages reachable from US IPs without geo-fencing, or anything that could be interpreted as "in the United States" for Securities Act purposes). The US regime is structurally different from MiCA or FCA. Howey is the load-bearing case; Section 5 is the registration perimeter; Section 17(a) and Rule 10b-5 are the anti-fraud tools; Section 17(b) is the anti-touting tool. The March 2026 SEC-CFTC joint interpretation reframes the analysis to centre on issuer marketing language — making this audit's role unusually consequential. --- ## How to invoke this skill You submit an asset plus metadata: asset type (landing page / ad / email / banner / X post / KOL contract / press release / token-sale page / video script), classification claimed by issuer (digital commodity / digital collectible / digital tool / stablecoin / digital security under the SEC-CFTC March 2026 five-category framework), authorisation status (registered with SEC / Reg D 506(b) / Reg D 506(c) / Reg A+ / no registration claimed), target audience (retail mass market / accredited only / institutional only), and (if relevant) whether the asset references US-resident promoters. The model applies all 25 rules, classifies each as PASS / FLAG / FAIL, and produces: 1. **Verdict line** — `X FAIL · Y FLAG · Z PA