account-transfers: Coding Workflows for AI Agents | OpenAgentSkill

Overview

Process and manage account transfers between and within financial institutions. Use when handling full or partial ACAT transfers between broker-dealers, troubleshooting ACAT rejection codes or FINRA Rule 11870 timelines, setting up non-ACAT transfers (Fund/SERV, DTC free delivery, physical certificates), processing internal journal entries, handling retirement rollovers or Roth conversions with proper tax reporting, transferring cost basis under IRC Section 6045A, moving decedent assets to beneficiaries with date-of-death step-up, or reconciling residual credits and fractional shares after transfer completion.

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Account Transfers

Core Concepts

ACAT Transfer System

The Automated Customer Account Transfer Service (ACATS) is operated by DTCC's National Securities Clearing Corporation (NSCC) and provides a standardized, automated mechanism for transferring customer accounts between broker-dealers and banks. ACATS is the primary system for transferring brokerage accounts in the United States and is governed by FINRA Rule 11870 (Customer Account Transfer Contracts).

How ACATS works — the transfer lifecycle:

Transfer Initiation (Day 0) — The customer signs a Transfer Initiation Form (TIF) authorizing the transfer. The receiving firm submits the transfer request through ACATS, specifying whether the transfer is full or partial and listing the assets to be transferred.
Validation (Days 1-3) — The delivering firm receives the transfer request and has 3 business days to validate the account information and asset positions. The delivering firm must verify the customer's identity, account number, SSN/TIN, and the assets listed in the request. If the information matches, the delivering firm validates the request. If there are discrepancies, the delivering firm may reject the request with a specific reject code.
Asset Transfer (Days 4-6) — Once validated, the delivering firm must transfer the account assets within 3 business days (6 business days total from initiation). ACATS coordinates the settlement of securities between the firms through NSCC. Cash balances are transferred via the Federal Reserve wire system or NSCC settlement.
Residual Processing (Days 7+) — After the primary transfer completes, the delivering firm processes residual items: dividends or interest that were accrued but not yet paid, fractional shares (typically liquidated and sent as a residual credit), reorganization proceeds, and any other items that could not be transferred on the primary settlement date.

Full ACAT vs partial ACAT:

A full ACAT transfers the entire account — all positions, cash, and account features. The delivering firm closes the account after transfer completion. Full ACATs are the most common transfer type and benefit from the highest degree of automation.
A partial ACAT transfers only specified positions and/or cash amounts. The account remains open at the delivering firm with the remaining positions. Partial ACATs require the receiving firm to specify exactly which positions and quantities to transfer. Partial ACATs are used when a client wants to consolidate specific holdings, when certain assets are ineligible for ACAT transfer, or when the client is maintaining accounts at both firms.

ACAT-eligible vs ineligible assets:

Eligible: Equities (common stock, preferred stock, ADRs), fixed income (corporate bonds, municipal bonds, treasury securities), options (listed options — transferred with assignment of the Options Clearing Corporation position), mutual funds (if the fund is available on the receiving firm's platform), ETFs, unit investment trusts, and cash balances.
Ineligible or restricted: Proprietary products of the delivering firm (proprietary mutual funds, structured notes), limited partnerships and direct participation programs (often require manual transfer), annuities (transferred directly between insurance carriers, not through ACATS), physical certificates held outside DTC, bank deposits (CDs, money market deposit accounts at the bank level), alternative investments (hedge funds, private equity — transferred via assignment or redemption/re-subscription), 529 plan accounts, and certain foreign securities not held at DTC.

When a full ACAT encounters ineligible assets, those assets remain at the delivering firm in a residual account while all eligible assets transfer. The receiving firm and client must then coordinate the manual transfer of ineligible assets or the client must decide whether to liquidate them.

Transfer Initiation Form (TIF): The TIF is the customer's written authorization for the transfer. It must include: customer name, SSN/TIN, delivering firm account number, receiving firm account number, transfer type (full or partial), and for partial transfers, the specific assets and quantities to be transferred. The customer's signature on the TIF is required. Many firms now accept electronic signatures on TIFs. The receiving firm retains the TIF as part of its account records and must produce it upon regulatory request.

Receiving firm responsibilities:

Obtain the signed TIF from the customer
Submit the ACATS transfer request within one business day of receiving the completed TIF
Ensure the account is open and properly registered at the receiving firm before submitting the transfer request
Monitor the transfer status and communicate progress to the customer
Reconcile received assets against the expected transfer and investigate discrepancies
Process residual credits as they arrive from the delivering firm

Delivering firm responsibilities (FINRA Rule 11870):

Validate or reject the transfer request within 3 business days — the delivering firm cannot unreasonably delay or refuse a valid transfer request
Complete the transfer of assets within 3 business days after validation (6 business days total)
Process and forward residual items (dividends, interest, fractional share proceeds) promptly after the transfer
Provide cost basis information for transferred securities as required by IRS regulations
Not charge unreasonable fees for account transfers (FINRA prohibits fees designed to discourage transfers)

Non-ACAT Transfers

Not all asset movements between firms use the ACATS system. Non-ACAT transfers are used for assets ineligible for ACATS, transfers between non-ACATS-participating institutions, and situations where alternative transfer mechanisms are more appropriate.

Mutual fund direct transfers (NSCC Fund/SERV): Mutual fund shares can be transferred between firms through NSCC's Fund/SERV system without going through ACATS. This is commonly used when the receiving firm has a direct relationship with the fund company. Fund/SERV transfers typically settle in 1-3 business days and preserve the original purchase date, cost basis, and share lot information. The receiving firm submits a transfer request through Fund/SERV, and the fund company re-registers the shares in the receiving firm's name.

DTC free delivery: A DTC free delivery (also called a free receipt/free delivery or DTC transfer) moves securities between DTC participant accounts without a corresponding cash payment. This is used for in-kind transfers where no sale is involved, such as gifting securities, moving positions between related accounts at different firms, or charitable donations of appreciated stock. The delivering firm initiates the delivery through DTC's Deposit/Withdrawal at Custodian (DWAC) system, and the receiving firm must confirm receipt. DTC deliveries typically settle same-day or next-day.

Physical certificate transfers: When securities are held in physical certificate form (increasingly rare but still encountered), the transfer process requires: the certificate to be submitted to the transfer agent with a stock power (signed assignment form) and a medallion signature guarantee. The transfer agent re-registers the shares in the new owner's name and issues a new certificate or deposits the shares into DTC in book-entry form. Medallion Signature Guarantee programs (STAMP, SEMP, MSP) provide the guarantee, and only eligible financial institutions (banks, broker-dealers, credit unions) can provide them. Physical transfers can take 2-4 weeks.

Alternative investment transfers:

Limited partnerships: Transferred by assignment — the general partner must approve the transfer. The receiving firm must verify it can hold the partnership interest on its books (many firms restrict which alternative investments they will custody). Transfer may take 4-8 weeks due to GP approval requirements.
Hedge funds: Typically cannot be transferred in-kind. The investor redeems from the fund (subject to redemption terms, lock-up periods, and gate provisions) and re-subscribes at the new firm. Alternatively, some prime brokers can transfer hedge fund positions between accounts.
Private placements: Transferred by assignment or novation, requiring issuer consent. Transfer documentation includes assignment agreements and updated subscription documents.

International transfers: Cross-border transfers involve additional complexity: SWIFT messaging for international wire transfers, correspondent banking relationships, foreign exchange conversion, regulatory considerations (OFAC screening, tax treaty withholding), and potentially different settlement conventions. International security transfers may use Euroclear or Clearstream for European securities, or bilateral arrangements between custodians for other markets.

Wire transfers for cash: Cash-only transfers between firms are typically executed via Fedwire (domestic) or SWIFT (international). Wire transfers settle same-day for domestic transfers initiated before the cutoff time. The receiving firm must verify the wire instructions and authenticate the source. For large wire transfers, firms typically require verbal confirmation and callback verification.

Partial Transfers

Partial transfers require additional planning because the client is selectively moving specific positions while leaving others in place. This creates considerations around tax lots, cost basis, margin impact, and documentation.

Selecting specific positions: The receiving firm must specify each position to be transferred, including CUSIP, quantity, and for fixed income, par value. The client and advisor should review the full account holdings to determine which positions to transfer and which to leave behind. Common reasons for partial transfers: consolidating duplicate positions held at multiple firms, moving specific asset classes to a specialist manager, transferring appreciated positions for tax-loss harvesting at the new firm, and retaining positions that are ineligible for transfer.

Tax lot selection implications: When transferring a partial position (some but not all shares of a security), the delivering firm must determine which tax lots to transfer. If the account uses specific identification as its tax lot method, the client should specify which lots to move. If the account uses FIFO, the earliest-acquired lots transfer first. The choice of which lots transfer can significantly impact the client's tax situation — transferring high-cost-basis lots leaves the low-basis lots behind (and vice versa). The advisor should evaluate the tax implications before selecting positions for partial transfer.

Cost basis transfer requirements: Under IRS regulations (IRC Section 6045A), the delivering firm must provide cost basis information for transferred securities to the receiving firm. For covered securities (generally acquired after 2011 for equities, 2012 for mutual funds, 2014 for fixed income), the delivering firm must electronically transfer the cost basis to the receiving firm within 15 days of the transfer settlement. The receiving firm must maintain the original cost basis, acquisition da

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File metadata

name: account-transfers
description: "Process and manage account transfers between and within financial institutions. Use when handling full or partial ACAT transfers between broker-dealers, troubleshooting ACAT rejection codes or FINRA Rule 11870 timelines, setting up non-ACAT transfers (Fund/SERV, DTC free delivery, physical certificates), processing internal journal entries, handling retirement rollovers or Roth conversions with proper tax reporting, transferring cost basis under IRC Section 6045A, moving decedent assets to beneficiaries with date-of-death step-up, or reconciling residual credits and fractional shares after transfer completion."

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---
name: account-transfers
description: "Process and manage account transfers between and within financial institutions. Use when handling full or partial ACAT transfers between broker-dealers, troubleshooting ACAT rejection codes or FINRA Rule 11870 timelines, setting up non-ACAT transfers (Fund/SERV, DTC free delivery, physical certificates), processing internal journal entries, handling retirement rollovers or Roth conversions with proper tax reporting, transferring cost basis under IRC Section 6045A, moving decedent assets to beneficiaries with date-of-death step-up, or reconciling residual credits and fractional shares after transfer completion."
---

# Account Transfers

## Core Concepts

### ACAT Transfer System
The Automated Customer Account Transfer Service (ACATS) is operated by DTCC's National Securities Clearing Corporation (NSCC) and provides a standardized, automated mechanism for transferring customer accounts between broker-dealers and banks. ACATS is the primary system for transferring brokerage accounts in the United States and is governed by FINRA Rule 11870 (Customer Account Transfer Contracts).

**How ACATS works — the transfer lifecycle:**

1. **Transfer Initiation (Day 0)** — The customer signs a Transfer Initiation Form (TIF) authorizing the transfer. The receiving firm submits the transfer request through ACATS, specifying whether the transfer is full or partial and listing the assets to be transferred.
2. **Validation (Days 1-3)** — The delivering firm receives the transfer request and has 3 business days to validate the account information and asset positions. The delivering firm must verify the customer's identity, account number, SSN/TIN, and the assets listed in the request. If the information matches, the delivering firm validates the request. If there are discrepancies, the delivering firm may reject the request with a specific reject code.
3. **Asset Transfer (Days 4-6)** — Once validated, the delivering firm must transfer the account assets within 3 business days (6 business days total from initiation). ACATS coordinates the settlement of securities between the firms through NSCC. Cash balances are transferred via the Federal Reserve wire system or NSCC settlement.
4. **Residual Processing (Days 7+)** — After the primary transfer completes, the delivering firm processes residual items: dividends or interest that were accrued but not yet paid, fractional shares (typically liquidated and sent as a residual credit), reorganization proceeds, and any other items that could not be transferred on the primary settlement date.

**Full ACAT vs partial ACAT:**
- A **full ACAT** transfers the entire account — all positions, cash, and account features. The delivering firm closes the account after transfer completion. Full ACATs are the most common transfer type and benefit from the highest degree of automation.
- A **partial ACAT** transfers only specified positions and/or cash amounts. The account remains open at the delivering firm with the remaining positions. Partial ACATs require the receiving firm to specify exactly which positions and quantities to transfer. Partial ACATs are used when a client wants to consolidate specific holdings, when certain assets are ineligible for ACAT transfer, or when the client is maintaining accounts at both firms.

**ACAT-eligible vs ineligible assets:**
- **Eligible:** Equities (common stock, preferred stock, ADRs), fixed income (corporate bonds, municipal bonds, treasury securities), options (listed options — transferred with assignment of the Options Clearing Corporation position), mutual funds (if the fund is available on the receiving firm's platform), ETFs, unit investment trusts, and cash balances.
- **Ineligible or restricted:** Proprietary products of the delivering firm (proprietary mutual funds, structured notes), limited partnerships and direct participation programs (often require manual transfer), annuities (transferred directly between insurance carriers, not through ACATS), physical certificates held outside DTC, bank deposits (CDs, money market deposit accounts at the bank level), alternative investments (hedge funds, private equity — transferred via assignment or redemption/re-subscription), 529 plan accounts, and certain foreign securities not held at DTC.

**Transfer Initiation Form (TIF):**
The TIF is the customer's written authorization for the transfer. It must include: customer name, SSN/TIN, delivering firm account number, receiving firm account number, transfer type (full or partial), and for partial transfers, the specific assets and quantities to be transferred. The customer's signature on the TIF is required. Many firms now accept electronic signatures on TIFs. The receiving firm retains the TIF as part of its account records and must produce it upon regulatory request.

**Receiving firm responsibilities:**
- Obtain the signed TIF from the customer
- Submit the ACATS transfer request within one business day of receiving the completed TIF
- Ensure the account is open and properly registered at the receiving firm before submitting the transfer request
- Monitor the transfer status and communicate progress to the customer
- Reconcile received assets against the expected transfer and investigate discrepancies
- Process residual credits as they arrive from the delivering firm

**Delivering firm responsibilities (FINRA Rule 11870):**
- Validate or reject the transfer request within 3 business days — the delivering firm cannot unreasonably delay or refuse a valid transfer request
- Complete the transfer of assets within 3 business days after validation (6 business days total)
- Process and forward residual items (dividends, interest, fractional share proceeds) promptly after the transfer
- Provide cost basis information for transferred securities as required by IRS regulations
- Not charge unreasonable fees for account transfers (FINRA prohibits fees designed to discourage transfers)

### Non-ACAT Transfers
Not all asset movements between firms use the ACATS system. Non-ACAT transfers are used for assets ineligible for ACATS, transfers between non-ACATS-participating institutions, and situations where alternative transfer mechanisms are more appropriate.

**Mutual fund direct transfers (NSCC Fund/SERV):**
Mutual fund shares can be transferred between firms through NSCC's Fund/SERV system without going through ACATS. This is commonly used when the receiving firm has a direct relationship with the fund company. Fund/SERV transfers typically settle in 1-3 business days and preserve the original purchase date, cost basis, and share lot information. The receiving firm submits a transfer request through Fund/SERV, and the fund company re-registers the shares in the receiving firm's name.

**DTC free delivery:**
A DTC free delivery (also called a free receipt/free delivery or DTC transfer) moves securities between DTC participant accounts without a corresponding cash payment. This is used for in-kind transfers where no sale is involved, such as gifting securities, moving positions between related accounts at different firms, or charitable donations of appreciated stock. The delivering firm initiates the delivery through DTC's Deposit/Withdrawal at Custodian (DWAC) system, and the receiving firm must confirm receipt. DTC deliveries typically settle same-day or next-day.

**Physical certificate transfers:**
When securities are held in physical certificate form (increasingly rare but still encountered), the transfer process requires: the certificate to be submitted to the transfer agent with a stock power (signed assignment form) and a medallion signature guarantee. The transfer agent re-registers the shares in the new owner's name and issues a new certificate or deposits the shares into DTC in book-entry form. Medallion Signature Guarantee programs (STAMP, SEMP, MSP) provide the guarantee, and only eligible financial institutions (banks, broker-dealers, credit unions) can provide them. Physical transfers can take 2-4 weeks.

**Alternative investment transfers:**
- **Limited partnerships:** Transferred by assignment — the general partner must approve the transfer. The receiving firm must verify it can hold the partnership interest on its books (many firms restrict which alternative investments they will custody). Transfer may take 4-8 weeks due to GP approval requirements.
- **Hedge funds:** Typically cannot be transferred in-kind. The investor redeems from the fund (subject to redemption terms, lock-up periods, and gate provisions) and re-subscribes at the new firm. Alternatively, some prime brokers can transfer hedge fund positions between accounts.
- **Private placements:** Transferred by assignment or novation, requiring issuer consent. Transfer documentation includes assignment agreements and updated subscription documents.

**International transfers:**
Cross-border transfers involve additional complexity: SWIFT messaging for international wire transfers, correspondent banking relationships, foreign exchange conversion, regulatory considerations (OFAC screening, tax treaty withholding), and potentially different settlement conventions. International security transfers may use Euroclear or Clearstream for European securities, or bilateral arrangements between custodians for other markets.

**Wire transfers for cash:**
Cash-only transfers between firms are typically executed via Fedwire (domestic) or SWIFT (international). Wire transfers settle same-day for domestic transfers initiated before the cutoff time. The receiving firm must verify the wire instructions and authenticate the source. For large wire transfers, firms typically require verbal confirmation and callback verification.

### Partial Transfers
Partial transfers require additional planning because the client is selectively moving specific positions while leaving others in place. This creates considerations around tax lots, cost basis, margin impact, and documentation.

**Selecting specific positions:**
The receiving firm must specify each position to be transferred, including CUSIP, quantity, and for fixed income, par value. The client and advisor should review the full account holdings to determine which positions to transfer and which to leave behind. Common reasons for partial transfers: consolidating duplicate positions held at multiple firms, moving specific asset classes to a specialist manager, transferring appreciated positions for tax-loss harvesting at the new firm, and retaining positions that are ineligible for transfer.

**Tax lot selection implications:**
When transferring a partial position (some but not all shares of a security), the delivering firm must determine which tax lots to transfer. If the account uses specific identification as its tax lot method, the client should specify which lots to move. If the account uses FIFO, the earliest-acquired lots transfer first. The choice of which lots transfer can significantly impact the client's tax situation — transferring high-cost-basis lots leaves the low-basis lots behind (and vice versa). The advisor should evaluate the tax implications before selecting positions for partial transfer.

**Cost basis transfer requirements:**
Under IRS regulations (IRC Section 6045A), the delivering firm must provide cost basis information for transferred securities to the receiving firm. For covered securities (generally acquired after 2011 for equities, 2012 for mutual funds, 2014 for fixed income), the delivering firm must electronically transfer the cost basis to the receiving firm within 15 days of the transfer settlement. The receiving firm must maintain the original cost basis, acquisition da

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Financial research output is not financial advice; require human review before any live investment decision.
This skill may touch real-money trading, broker, wallet, or exchange operations; use only in a sandbox with explicit approval.

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License: MIT
Version: 1.0.0
Last GitHub push: Jul 18, 2026
Registry updated: Sep 4, 2026
Instruction path: plugins/client-operations/skills/account-transfers/SKILL.md @ 5c498eacf705

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    "version": "agent-proven-v1",
    "score": 0,
    "tier": "unproven",
    "label": "Needs first agent run",
    "summary": "No agent outcome reports yet. Use Resolve, run one narrow sandbox task, then report the result.",
    "metrics": {
      "totalOutcomes": 0,
      "successfulOutcomes": 0,
      "failedOutcomes": 0,
      "installAttempts": 0,
      "installSuccessRate": null,
      "successRate": null,
      "recentSuccessRate": null,
      "recentFailureRate": null,
      "riskBlocked": 0,
      "setupRequired": 0,
      "notRelevant": 0,
      "avgOutputQuality": null,
      "avgTimeToUsefulMs": null,
      "productionOutcomes": 0,
      "humanReviewRequired": 0,
      "uniqueAgents": 0,
      "lastOutcomeAt": null
    },
    "signals": [],
    "penalties": [
      "No real agent outcome evidence yet"
    ]
  },
  "audit": {
    "score": 79,
    "risk_level": "risky",
    "risk_label": "Risky",
    "warnings": [
      "Financial research output is not financial advice; require human review before any live investment decision",
      "Potential broker, wallet, exchange, or real-money execution surface; sandbox and explicit approval are required",
      "Financial research output is not financial advice; require human review before any live investment decision.",
      "This skill may touch real-money trading, broker, wallet, or exchange operations; use only in a sandbox with explicit approval.",
      "Quality score needs review",
      "Stars/forks activity: 178 stars, 34 forks; issue activity unavailable in current metadata"
    ]
  },
  "safety_gate": {
    "tier": "blocked",
    "label": "Blocked for auto-install",
    "auto_install_policy": "block",
    "auto_install_allowed": false,
    "human_review_required": true,
    "blocked": true,
    "recommended_action": "Do not auto-install. Inspect the source, dependencies, and permission surface first."
  },
  "quality": {
    "score": 63,
    "label": "Promising"
  },
  "supply": {
    "track": "Coding and developer agents",
    "scenario": "Coding agents",
    "maintenance": "2mo since push",
    "risk": "Risky"
  },
  "alternative_skills": [],
  "do_not_use_when": [
    "teams that need a vendor-supported SLA",
    "high-compliance environments without internal security review",
    "No OpenAgentSkill engagement data yet",
    "Audit risk risky exceeds max_risk=medium",
    "Financial research output is not financial advice; require human review before any live investment decision",
    "Potential broker, wallet, exchange, or real-money execution surface; sandbox and explicit approval are required",
    "Financial research output is not financial advice; require human review before any live investment decision.",
    "This skill may touch real-money trading, broker, wallet, or exchange operations; use only in a sandbox with explicit approval."
  ],
  "agent_contract": {
    "task_input": "Use account-transfers in an agent workflow",
    "recommended_action": "Do not auto-install. Inspect the source, dependencies, and permission surface first.",
    "install_policy": "block",
    "minimum_review_before_use": [
      "Trust: 79/100 Strong shortlist",
      "Audit: 79/100 Risky",
      "Safety: 63/100 Avoid automatic install",
      "Review repository, license, install command, and permission surface before production use."
    ],
    "expected_agent_output": {
      "selected_skill": "joellewis-account-transfers (account-transfers)",
      "install_command": "npx skills add JoelLewis/finance_skills --skill account-transfers",
      "risk_summary": "Risky; Blocked for auto-install; Review before production",
      "verification_result": "Report the smallest successful task, files touched, warnings, and any missing setup."
    }
  },
  "outcome_feedback": {
    "endpoint": "https://www.openagentskill.com/api/agent/outcome",
    "method": "POST",
    "requires_resolve_event_id": true,
    "event_id_source": "Use install_receipt.outcome_feedback.event_id or feedback.event_id returned by /api/agent/resolve for the current task.",
    "expected_outcomes": [
      "success",
      "failed",
      "not_relevant",
      "blocked_by_risk",
      "setup_required"
    ],
    "payload_template": {
      "event_id": "<install_receipt.outcome_feedback.event_id or feedback.event_id from /api/agent/resolve>",
      "skill_slug": "joellewis-account-transfers",
      "task": "Use account-transfers in an agent workflow",
      "agent": "codex",
      "outcome": "success",
      "install_used": true,
      "risk_blocked": false,
      "setup_required": false,
      "task_success": true,
      "output_quality": 4,
      "error_type": null,
      "human_review_required": false,
      "workspace": "sandbox",
      "time_to_useful_ms": 120000,
      "notes": "Report the smallest successful task, setup friction, files touched, and risk notes."
    }
  },
  "endpoints": {
    "web": "https://www.openagentskill.com/skills/joellewis-account-transfers",
    "api": "https://www.openagentskill.com/api/agent/skills/joellewis-account-transfers",
    "audit": "https://www.openagentskill.com/skills/joellewis-account-transfers/audit",
    "eval": "https://www.openagentskill.com/api/agent/evals?slug=joellewis-account-transfers&task=Use%20account-transfers%20in%20an%20agent%20workflow&max_risk=medium",
    "resolve": "https://www.openagentskill.com/api/agent/resolve?task=Use%20account-transfers%20in%20an%20agent%20workflow&agent=codex&max_risk=medium",
    "receipt": "https://www.openagentskill.com/api/agent/receipt?task=Use%20account-transfers%20in%20an%20agent%20workflow&agent=codex&max_risk=medium&format=text",
    "install": "https://www.openagentskill.com/api/skills/joellewis-account-transfers/install",
    "manifest": "https://www.openagentskill.com/api/registry/manifest/joellewis-account-transfers"
  }
}

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Creator: JoelLewis
Source: JoelLewis/finance_skills
Indexed by: OpenAgentSkill community index

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