If one of my Reg T Margin accounts is subject to the 90-day restriction period, will all of my other Reg T Margin accounts also be restricted for 90 days?

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To ensure a Reg T margin account remains margin compliant a cash withdrawal request is limited to the lesser amount of either the current Available Funds or the amount of (Reg T Equity less Reg T Margin). In addition,…

No, an account subject to the 90 calendar day restriction as a result of failing to satisfy an Intraday Margin Deficit (IMD) cannot receive credit for a pending deposit…

Yes, under the FINRA rule change, which removes day trading margin requirements and replaces them with intraday margin standards, all accounts are subject to the 90 calendar day restriction if a client has multiple Reg T Margin accounts, and in aggregate, the client is considered to be making a practice of failing to satisfy an Intraday Margin Deficit (IMD)…

Market appreciation does add credit to a Reg T account's SMA. At the end of the regular trading day (normally 15:50 US/Eastern), there is a check for the amount of the Reg T Excess (Reg T Excess equals Reg T Equity less Reg T Margin). If the Reg T Excess of a margin account is greater than the previous end of day Reg T Excess then the account receives a credit and SMA and is set equal to the new amount of Reg T Excess. The change to SMA resulting from trades is effectively the change in Reg T Equity minus the change in Reg T Margin…