Retail trader restrictions fully lifted! The U.S. Securities and Exchange Commission (SEC) has approved a rule change allowing the industry to remove the requirement for day traders to hold at least $25,000 in funds. This marks a significant lowering of the barrier for retail trading. Under the old rule, accounts classified as Pattern Day Traders (PDT) were restricted from frequent day trading if their funds fell below $25,000. But with the new plan, regulators are moving away from a fixed capital threshold and shifting to a risk-based dynamic management model.