generated: '2026-09-05'
method: searched
source: >-
  Zoe Financial legal and disclosure pages plus the primary regulator registries. Every
  entry below is a regulatory or licensing status that Zoe publishes and that a third
  party can verify in a public registry. There are NO technical/API conformance entries:
  Zoe publishes no OpenAPI, AsyncAPI, GraphQL, MCP or other machine-readable contract, so
  there is no artifact against which to assert OAuth2, OIDC, RFC 9457, FDX, pagination or
  idempotency conformance. Absence here is a measurement, not an omission.
domain_standard:
  applicable: true
  market: US retail wealth management / investment advice
  declared: false
  note: >-
    The relevant domain standards for this market are FDX (financial data exchange) and
    the SEC/FINRA reporting schemas. Zoe declares NO domain standard in any contract
    because it publishes no contract. Reward-only check: recorded as not-declared rather
    than as a failure.
conformance:
- id: sec-registered-investment-adviser
  conforms: true
  category: regulatory
  detail: >-
    Zoe Financial, Inc. is an investment adviser registered with the U.S. Securities and
    Exchange Commission, CRD/IARD 285158. Form ADV Part 2A brochure and Form CRS are
    published.
  evidence: https://adviserinfo.sec.gov/firm/summary/285158
  evidence_status: 200
- id: sec-form-adv-part-2a-published
  conforms: true
  category: regulatory
  detail: Firm brochure (Form ADV Part 2A) published via the SEC IAPD brochure endpoint.
  evidence: https://adviserinfo.sec.gov/firm/brochure/285158
  evidence_status: 200
- id: sec-form-crs-published
  conforms: true
  category: regulatory
  detail: >-
    Customer Relationship Summary (Form CRS) published as a PDF through the SEC reports
    endpoint, and mirrored on the company legal hub.
  evidence: https://reports.adviserinfo.sec.gov/crs/crs_285158.pdf
  evidence_status: 200
- id: finra-member-broker-dealer
  conforms: true
  category: regulatory
  detail: >-
    Affiliate Zoe Securities LLC is a FINRA member broker-dealer, CRD 326979, and an SIPC
    member. Brokerage services are provided by Zoe Securities LLC together with Apex
    Clearing Corporation.
  evidence: https://brokercheck.finra.org/firm/summary/326979
  evidence_status: 200
- id: business-continuity-plan-published
  conforms: true
  category: operational-disclosure
  detail: Business continuity plan disclosure published on the company legal hub.
  evidence: https://zoefinancial.com/legal/business-continuity-plan
  evidence_status: 200
- id: order-routing-and-payment-disclosure
  conforms: true
  category: regulatory
  detail: >-
    Order routing and payment-for-order-flow disclosure published, as required of a
    broker-dealer.
  evidence: https://zoefinancial.com/legal/order-routing-payment
  evidence_status: 200
- id: oauth2
  conforms: false
  category: technical
  detail: >-
    No published OAuth 2.0 surface. /.well-known/oauth-authorization-server and
    /.well-known/openid-configuration return 404 on the registrable domain and on the
    api.zoefin.com gateway host.
  evidence: https://api.zoefin.com/.well-known/oauth-authorization-server
  evidence_status: 404
- id: rfc9457-problem-details
  conforms: false
  category: technical
  detail: >-
    Not assessable. The api.zoefin.com gateway returns bare {"message":"..."} JSON bodies
    rather than application/problem+json, but there is no published contract and no
    public operation to evaluate.
  evidence: https://api.zoefin.com/api/
  evidence_status: 404