Retail trader restrictions fully lifted! The U.S. Securities and Exchange Commission (SEC) has approved a rule change, allowing the industry to eliminate the long-standing requirement for day traders to maintain at least $25,000 in funds. This marks a significant lowering of the trading threshold for retail investors. Under the old rules, accounts classified as Pattern Day Trader (PDT) would be restricted from frequent day trading if their funds fell below $25,000. This applied to U.S. brokerage accounts + U.S. stock trading. But under the new plan, regulators will no longer use a fixed capital threshold and will instead shift to a risk-based dynamic management model, effectively removing this restriction.