Subject: File Number SR-FINRA-2022-021 - Comment regarding proposed Rule Change 3110 (3110.18)
From: Justine Tobin
Affiliation:

Sep. 06, 2022

Ladies and Gentlemen – 
 
Tobin & Company Securities LLC and its registered representatives are delighted to learn of the proposed rule change to adopt a voluntary, three-year remote inspection pilot program to allow member firms to elect to fulfill our obligation to conduct branch inspections remotely.
 
As a fully dispersed private placements broker-dealer that does not hold accounts, we welcome this much needed update in FINRA’s rules.  As a broker dealer with a fully dispersed group of registered representatives who are independent contractors of the broker dealer, it doesn’t make sense anymore to conduct on-site branch inspections.  We work with and supervise day-to-day our registered representatives on a remote basis.  Most of our registered representatives work from their homes making on-site branch inspections invasive and often uncomfortable.
 
Remote branch inspections would jibe best with our fully dispersed business model and would better align with the post-pandemic business world, especially for small firms like Tobin & Company Securities LLC.
 
Thank you.

Justine E. Tobin 
Managing Partner 
Tobin & Company Investment Banking Group LLC