A customer asks to open an account identified only by a number to keep the account owner's identity secret from the firm. Is this permissible?

a.Yes, numbered accounts hide identity from the firm entirely
b.No; the firm may use a number for confidentiality, but must still know and document the true account owner's identity
c.Yes, as long as the customer pays in cash
d.No account may ever use a number or symbol

Explanation

A firm may use account numbers or symbols for confidentiality, but it must still obtain a signed statement of the customer's ownership and know the true identity of the account owner. Hiding the owner's identity from the firm would violate CIP and recordkeeping rules.

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