{"id":38858,"date":"2021-12-08T05:44:20","date_gmt":"2021-12-08T05:44:20","guid":{"rendered":"https:\/\/analystprep.com\/cfa-level-1-exam\/?p=38858"},"modified":"2026-08-27T19:28:51","modified_gmt":"2026-08-27T19:28:51","slug":"standard-iiib-fair-dealing","status":"publish","type":"post","link":"https:\/\/analystprep.com\/cfa-level-1-exam\/ethical-and-professional-standards\/standard-iiib-fair-dealing\/","title":{"rendered":"Standard III(B) \u2013 Fair Dealing"},"content":{"rendered":"\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"QAPage\",\n  \"mainEntity\": {\n    \"@type\": \"Question\",\n    \"name\": \"Adam McNarry is the CFO of Astra Capital Advisors (ACA). ACA specializes in corporate advisory and capital raising activities. His client, GreenFarm Ltd., is looking to go public. ACA receives an overwhelming amount of expression of interest from both retail and institutional investors. The new issue is twice oversubscribed. McNarry proceeds to remove all shares allocated to fee-paying family-member accounts. The shares are then prorated among all the clients. Has McNarry violated Standard III(B) \u2013 Fair Dealing?\",\n    \"text\": \"Options:\\nA. No, because his exclusion of family-member accounts would increase the allocation to his other clients.\\nB. Yes, because fee-paying family accounts should be treated the same way as other clients.\\nC. No, because he was prioritizing his client\u2019s accounts over his family member accounts.\",\n    \"answerCount\": 1,\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"The correct answer is B. McNarry violated Standard III(B) \u2013 Fair Dealing because all fee-paying clients, including family members who are legitimate clients, must be treated fairly and objectively. He cannot remove their allocation simply because they are related to him. The oversubscribed new issue should be allocated using a fair and consistent process applied to all eligible clients.\"\n    }\n  }\n}\n<\/script>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"QAPage\",\n  \"mainEntity\": {\n    \"@type\": \"Question\",\n    \"name\": \"Josephine Clark emails all her clients to inform them about a change in her investment recommendation of Nix Technologies. She then calls her two biggest clients to review her conclusions and respond to any queries. Would Clark\u2019s actions violate Standard III(B) \u2013 Fair Dealing?\",\n    \"text\": \"Options:\\nA. Yes, because she is giving greater consideration to her two biggest clients.\\nB. No, because she informed all her clients about the change in her recommendation.\\nC. Yes, because she has discriminated against some clients and favored others.\",\n    \"answerCount\": 1,\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"The correct answer is B. Clark did not violate Standard III(B) because she communicated the change in recommendation to all clients before providing additional assistance to selected clients. CFA members may provide different levels of service based on client needs or asset levels, as long as all clients receive the same material investment information at the same time.\"\n    }\n  }\n}\n<\/script>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"QAPage\",\n  \"mainEntity\": {\n    \"@type\": \"Question\",\n    \"name\": \"Nicole Albert is an investment manager at Nobil Inc. Nicole has sent out a recommendation on security to her clients. Before sending out this information, Nicole informed all of her high-net-worth clients of the recommendation. Under the CFA Institute Code and Standards, Nicole\u2019s action:\",\n    \"text\": \"Options:\\nA. Violated the CFA Institute Code and Standards by informing the few high net worth clients.\\nB. Did not violate the CFA Institute Code and Standards because the recommendation was sent out to all clients.\\nC. Did not violate the CFA Institute Code and Standards because the high-net-worth individuals bring the firm a lot of money.\",\n    \"answerCount\": 1,\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"The correct answer is A. Nicole violated Standard III(B) \u2013 Fair Dealing because she provided the investment recommendation to high-net-worth clients before distributing it to all other clients. Members and candidates must treat all clients fairly and objectively. Premium services may be provided to certain clients, but material investment recommendations must not be selectively disclosed before being made available to all clients.\"\n    }\n  }\n}\n<\/script>\n\n\n\n<p class=\"wp-block-paragraph\">Members and candidates must treat all clients fairly and objectively when offering investment research, making investment recommendations, taking investment action, or engaging in other professional activities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Code and Standards permit CFA Institute members and candidates to provide more personalized, specialized, or in-depth service to clients who are willing to pay higher fees for premium services, if:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>these\u00a0services do not disadvantage other clients who are not willing to pay higher fees,<\/li>\n\n\n\n<li>the different levels of service are disclosed to clients, and<\/li>\n\n\n\n<li>the offerings are made available to all.<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Application 1: IPO Distribution<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Adam McNarry is the CFO of Astra Capital Advisors (ACA). ACA specializes in corporate advisory and capital raising activities. His client, GreenFarm Ltd., is looking to go public. ACA receives an overwhelming amount of expression of interest from both retail and institutional investors. The new issue is twice oversubscribed. McNarry proceeds to remove all shares allocated to fee-paying family-member accounts. The shares are then prorated among all the clients.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Has McNarry violated Standard III(B) \u2013 Fair Dealing?<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>No, because his exclusion of family-member accounts would increase the allocation to his other clients.<\/li>\n\n\n\n<li>Yes, because fee-paying family accounts should be treated the same way as other clients.<\/li>\n\n\n\n<li>No, because he was prioritizing his client&#8217;s accounts over his family member accounts.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Solution<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The correct answer is<strong> B.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">McNarry has violated Standard III(B) \u2013 Fair Dealing. McNarry should treat all his fee-paying clients equally. In this case, McNarry should not have removed his family members&#8217; allocation in GreenFarm Ltd.<\/p>\n\n\n\n<div style=\"margin: 18px 0;\">\n  <a href=\"https:\/\/analystprep.com\/free-trial\/\"\n     target=\"_blank\"\n     rel=\"noopener noreferrer\"\n     style=\"display: block; text-align: center; padding: 14px 18px; border: 2px solid #1a73e8; border-radius: 18px; color: #ffffff; font-weight: 600; font-size: 16px; text-decoration: none; background-color: #1a73e8;\">\n    Master CFA Standard III(B) with our Free Trial.\n  <\/a>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Application 2: Additional Services for Select Clients<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Josephine Clark emails all her clients to inform them about a change in her investment recommendation of Nix Technologies. She then calls her two biggest clients to review her conclusions and respond to any queries.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Would Clark&#8217;s actions violate Standard III(B) \u2013 Fair Dealing?<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Yes, because she is giving greater consideration to her two biggest clients.<\/li>\n\n\n\n<li>No, because she informed all her clients about the change in her recommendation.<\/li>\n\n\n\n<li>Yes, because she has discriminated against some clients and favored others.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Solution<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The correct answer is<strong> B.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Clark has not violated Standard III(B) \u2013 Fair Dealing. Clark disseminated her change in the recommendation to all her clients. Clark can offer personal services to clients that may have a significant amount of assets in the firm. Clark would violate if she failed to disseminate her recommendation to all her clients but a select few.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Application 3: Fair Dealig with Clients<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Nicole Albert is an investment manager at Nobil Inc. Nicole has sent out a recommendation on security to her clients. Before sending out this information, Nicole informed all of her high-net-worth clients of the recommendation. Under the CFA Institute Code and Standards, Nicole\u2019s action:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>violated the CFA Institute Code and Standards by informing the few high net worth clients.<\/li>\n\n\n\n<li>did not violate the CFA Institute Code and Standards because the recommendation was sent out to all clients.<\/li>\n\n\n\n<li>did not violate the CFA Institute Code and Standards because the high-net-worth individuals bring the firm a lot of money<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Solution<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The correct answer is&nbsp;<strong>A.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nicole has violated the CFA Institute Code and Standards by giving the high-net-worth clients the recommendation before the other clients. According to Standard III(B) , members and candidates must treat all clients fairly and objectively. Premium services can be offered, but the different service levels are disclosed to all clients.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>B is incorrect. <\/strong>Nicole sent the recommendation to all her high-net-worth clients and not all her clients. She violated Standard III(B).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>C is incorrect. <\/strong>Despite the high-net-worth clients bringing more value to the firm, Nicole is still violating Standard III(B).<\/p>\n\n\n\n<div style=\"text-align: center; margin: 30px 0;\">\n  <a href=\"https:\/\/analystprep.com\/free-trial\/\"\n     target=\"_blank\"\n     rel=\"noopener noreferrer\"\n     style=\"display: inline-flex; align-items: center; justify-content: center; padding: 12px 26px; border-radius: 9999px; background: #1e5bd8; color: #ffffff; font-weight: bold; text-decoration: none;\">\n    Start Free Trial \u2192\n  <\/a>\n  <p style=\"margin-top: 12px; font-size: 16px; line-height: 1.5;\">\n    Master CFA Standard III(B) requirements, fair dealing principles, client communication, and equitable treatment practices with our study materials and practice tools.\n  <\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Members and candidates must treat all clients fairly and objectively when offering investment research, making investment recommendations, taking investment action, or engaging in other professional activities. The Code and Standards permit CFA Institute members and candidates to provide more personalized,&#8230;<\/p>\n","protected":false},"author":15,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-38858","post","type-post","status-publish","format-standard","hentry","category-ethical-and-professional-standards","blog-post","no-post-thumbnail","animate"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Standard III(B) Fair Dealing | AnalystPrep CFA Notes<\/title>\n<meta name=\"description\" content=\"Learn CFA Standard III(B) Fair Dealing, including client fairness, investment research, and key ethics concepts for Level 1.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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