Regulation & Safety
Is M1 Finance Regulated? (2026)
Complete regulatory breakdown for M1 Finance (headquartered in Chicago, USA). Licensed by 1 regulator.
1
Licence
Tier-1
Highest tier
Yes
Compensation scheme
2015
Founded
Tier-1 Regulated Broker
Strictest regulation. Mandatory fund segregation, capital requirements, and regular audits. Highest level of investor protection.
Quick Answer
M1 Finance is regulated by SEC — including tier-1 regulators, offering the highest level of investor protection. Investor compensation schemes apply.
See full licence details belowM1 Finance Regulatory Licences
| Regulator | Jurisdiction | Tier | Leverage Cap | Compensation | Fund Seg. |
|---|---|---|---|---|---|
SEC Securities & Exchange Commission | United States | Tier-1 | 1:2 (securities) | Up to $500,000 via SIPC |
Is M1 Finance Safe in Your Country?
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United Kingdom
Not available
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Australia
Not available
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Germany
Not available
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Singapore
Not available
M1 Finance vs Regulated Competitors
| Broker | Rating | Regulators | Highest tier |
|---|---|---|---|
| M1 Finance | 3.2 | SEC | Tier-1 |
 Interactive Brokers | 4.4 | SEC, MAS, FCA, ASIC | Tier-1 |
 Forex.com | 4.4 | MAS, CFTC, FCA, ASIC | Tier-1 |
 IG Group | 4.3 | SEC, MAS, FCA, ASIC | Tier-1 |
 Pepperstone | 4.1 | CySEC, ASIC, FCA | Tier-1 |
 OANDA | 4.1 | ASIC, MAS, CFTC, FCA | Tier-1 |
 FxPro | 4.1 | FCA, ASIC, CySEC | Tier-1 |
 City Index | 4.1 | MAS, FCA, ASIC | Tier-1 |
 CMC Markets | 4.0 | MAS, ASIC, FCA | Tier-1 |
Compare M1 Finance regulation in detail
M1 Finance Regulation — What You Need to Know
Regulation is one of the most important factors when choosing a broker. A well-regulated broker must segregate client funds from its own operating capital, maintain minimum capital reserves, and submit to regular audits. This protects your money in the event of broker insolvency.
M1 Finance holds 1 regulatory licence from SEC — including at least one tier-1 authority, which provides the highest level of investor protection available. The broker has been operating since 2015, giving it 11 years of track record.
When evaluating broker safety, look beyond the licence itself: check for investor compensation schemes, negative balance protection, and whether the broker publishes audited financial statements. Our rating methodology weights regulation at 25% of the overall broker score — the single largest factor. See our broker regulation map for a global overview of which regulators oversee the most brokers.
Regulation Map
Which regulators oversee the most forex brokers worldwide
What is Regulation?
Glossary definition of broker regulation
Rating Methodology
How regulation weighs in our broker scores
Risk warning: Trading CFDs and forex carries significant risk. Ensure you understand the risks and that the broker is properly regulated in your jurisdiction before depositing funds.
Frequently Asked Questions
1Is M1 Finance regulated?
Yes, M1 Finance is regulated by SEC. This includes at least one tier-1 regulator, providing the highest level of investor protection.
2Is my money safe with M1 Finance?
M1 Finance holds tier-1 regulatory licences which require strict fund segregation — your money is kept separate from the broker's operating funds. Some licences include investor compensation schemes that protect your funds up to a certain limit if the broker becomes insolvent.
3What is the difference between tier-1 and offshore regulation?
Tier-1 regulators (FCA, ASIC, SEC, BaFin) enforce the strictest rules: mandatory fund segregation, high capital requirements, regular audits, and investor compensation schemes. Offshore regulators (FSA Seychelles, VFSC, IFSC) have lighter requirements, which means higher leverage is available but with less investor protection.
4Can I trust M1 Finance with a large deposit?
For large deposits, regulatory status is critical. M1 Finance's tier-1 licence(s) provide strong protection including fund segregation and potential compensation coverage. Always start with a smaller amount to test withdrawals before depositing large sums.
5How do I verify M1 Finance's licence?
You can verify M1 Finance's regulatory status directly on each regulator's website. Look up the licence number on the regulator's official register.
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