Are non-U.S. clients impacted by the migration to T+1 settlement?

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)…

Yes, fractional shares trading is available to IBKR Lite clients…

Yes, TWS API clients are required to send the new Exchange name from day 1 when the change has been made…

Yes, funds are redeemed automatically from the sweep before the settlement date of the trade. There is no disruption of trading activity; funds move in and out as the trading happens…