Maribel Veloso Gudat (CRD #6888797) Has Regulatory and Criminal Disclosures on FINRA BrokerCheck
Maribel Veloso Gudat (CRD #6888797) is currently registered with PFS Investments Inc. Maribel Gudat has three regulatory events and one criminal disclosure on FINRA BrokerCheck. The information below is based on a review of her BrokerCheck profile on February 5, 2026.
BrokerCheck link: BrokerCheck
BrokerCheck report: BrokerCheck Report (PDF)
Regulatory Disclosures
Maribel Veloso Gudat’s FINRA BrokerCheck report lists three regulatory events. Two examples are summarized below.
On December 23, 2025, the Kansas Department of Insurance denied an insurance license application. The report states the decision cited Kansas statutory factors tied to an underlying misdemeanor. The matter is listed as final and the report indicates it was not based on fraudulent, manipulative, or deceptive conduct.
On October 1, 2025, the New Mexico Office of Superintendent of Insurance initiated an action seeking a civil or administrative fine. The allegation was failure to timely notify an administrative action. The event is listed as final, with a notice of compliance dated October 27, 2025, and a $250 fine reported as paid.
Maribel Gudat’s FINRA BrokerCheck report also shows one additional regulatory event in this category.
Criminal Disclosure
Maribel Veloso Gudat’s FINRA BrokerCheck report lists one criminal disclosure. The report states that formal charges were brought in Arizona state court on December 6, 2023.
According to the report, the original felony child-abuse charge was dismissed on February 27, 2024. On the same date, the matter was amended to a misdemeanor endangerment charge. The report lists a guilty plea and a conviction, with a sentence that includes 18 months of probation, two days in jail, and fines or fees.
Rule Summary #1: FINRA Rule 3110 (Supervision)
FINRA Rule 3110 requires member firms to maintain a supervisory system that is reasonably designed to achieve compliance. It supports oversight of associated persons and helps reduce investor harm. Learn more: FINRA Rule 3110
Rule Summary #2: FINRA Rule 2010 (Standards of Commercial Honor and Principles of Trade)
FINRA Rule 2010 requires firms and associated persons to observe high standards of commercial honor and just and equitable principles of trade. It is a broad rule that can cover unethical conduct tied to securities business. Learn more: FINRA Rule 2010
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, Maribel Gudat:
Is currently registered with PFS Investments Inc.
Has passed the Series 26, SIE, Series 6, and Series 63 exams.
Has been registered with PFS Investments Inc since July 28, 2018.
Kurta Law Can Help
If you have worked with Maribel Gudat and you have concerns about her activity, Kurta Law can help. The firm represents investors in FINRA arbitration and other securities-related claims.
Helpful resources: Unsuitable Investments | Securities Attorney
For nearly 20 years, Kurta Law has advocated for investors and helped hold financial professionals accountable. To discuss a potential claim, call 877-600-0098 or email info@kurtalawfirm.com.