Carly C Zelner (CRD #7390773) Has a Regulatory and Employment Separation Disclosure on FINRA BrokerCheck

Carly C Zelner (CRD #7390773) is a former registered broker with disclosures on FINRA BrokerCheck. We reviewed her BrokerCheck report on March 5, 2026. It reflects one regulatory event and one employment separation disclosure. If you invested with Carly C Zelner and have concerns, keep reading.

BrokerCheck link: BrokerCheck

BrokerCheck report: BrokerCheck Report (PDF)

Regulatory Action(s)

Carly Zelner’s FINRA BrokerCheck Report reflects one regulatory event disclosure. A summary of the event is below:

On February 9, 2026, FINRA reported a regulatory action against Carly Zelner. Without admitting or denying the findings, Zelner consented to findings that she improperly used her member firm’s funds. FINRA found she charged the firm about $6,000 in meal expenses that did not comply with the firm’s expense policy. FINRA stated she had some meals delivered to a non-firm address by circumventing controls in the firm’s meal-ordering application. FINRA also stated she had other meals delivered to a firm location on days when she did not work at any firm location to create the appearance she was complying with firm policy. The matter was resolved through an AWC. FINRA imposed a nine-month suspension in all capacities from February 17, 2026 through November 16, 2026. In light of Zelner’s financial status, FINRA stated no monetary sanctions were imposed.

Employment Separation

Carly Zelner’s FINRA BrokerCheck Report reflects one employment separation after allegations disclosure. A summary of the event is below:

On March 19, 2024, Bank of America Inc. discharged Carly Zelner. The firm reported an internal review into conduct involving using corporate expenses while working from home.

Rule Summary #1: FINRA Rule 2010 (Standards of Commercial Honor and Principles of Trade)

FINRA Rule 2010 sets a baseline conduct standard for member firms and associated persons. Expense misuse and dishonest practices can raise questions about whether a broker met those standards.

Rule Summary #2: FINRA Rule 3110 (Supervision)

FINRA Rule 3110 requires member firms to establish and maintain reasonable supervisory systems. It often matters when conduct involves controls and oversight within a firm’s policies and tools.

Why This Matters to Investors (Regulation Best Interest)

Regulation Best Interest (Reg BI) is a U.S. securities regulation. It strengthens the standard of conduct that broker-dealers owe to retail investors. It applies when they recommend securities transactions or investment strategies. The U.S. Securities and Exchange Commission adopted Reg BI. It became effective on June 30, 2020. Reg BI aims to protect investors while preserving access to brokerage products and services.

Reg BI requires broker-dealers and financial advisors to act in a retail customer’s best interest at the time of a recommendation. They must not place their own financial or other interests ahead of the customer’s. This standard is higher than the older “suitability” rule. Suitability meant a recommendation only had to be appropriate. It did not have to be the best option or free of conflicts.

Reg BI has four key obligations:

Disclosure Obligation – Broker-dealers must disclose material facts about the relationship and the recommendation. This includes fees, the scope of services, and conflicts of interest.

Care Obligation – Broker-dealers must use reasonable diligence, care, and skill. They must consider costs, risks, and alternatives when making a recommendation.

Conflict of Interest Obligation – Firms must identify conflicts of interest. They must disclose them and mitigate or eliminate them. This includes conflicts that create incentives to favor one product over another.

Compliance Obligation – Firms must maintain policies and procedures. Those policies should be designed to ensure compliance with Reg BI as a whole.

Reg BI applies to each recommendation. It is not a continuous duty like the fiduciary standard for registered investment advisers. Even so, it narrows the gap. It puts more focus on costs, conflicts, and investor-focused decision-making.

Overall, Regulation Best Interest promotes transparency. It also aims to improve the quality of investment recommendations. It is designed to reinforce trust between retail investors and broker-dealers in the U.S. securities markets.

Background Information (from BrokerCheck)

Based on Her FINRA BrokerCheck report, Carly Zelner:

Is not currently registered with any securities firm.

Has passed the Securities Industry Essentials (SIE) exam. Carly Zelner has also passed Series 79 and Series 63.

Was previously registered with BofA Securities, Inc.

Kurta Law Can Help

If you have worked with Carly Zelner and you have concerns about her activity, Kurta Law may be able to help you evaluate your legal options. To speak with Kurta Law, call 877-600-0098 or email info@kurtalawfirm.com.

Helpful resources: FINRA Arbitration | Investment Fraud

For nearly 20 years, Kurta Law has advocated for investors and helped hold financial professionals accountable. Our firm represents clients nationwide in securities arbitration and related disputes. If you believe a broker or firm mishandled your account, an attorney can review the facts and explain possible next steps.