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FINRA · 2026 · Free

Free SIE Practice Exam

SIE practice exam with real exam-style questions covering capital markets, investment products, trading, and regulations. No signup required.

75Scored Questions
105 minTime Limit
70%Passing Score
$80Exam Fee
4 yearsScore Valid

Practice by SIE Domain

Target a specific area, or launch the full exam below

📈

Knowledge of Capital Markets

Regulatory entities, market structure, economic factors, and offerings. ~16% of SIE.

20 questions
💼

Understanding Products & Their Risks

Equity, debt, packaged products, options, and alternative investments. ~44% of SIE.

20 questions
⚖️

Trading, Customers & Prohibited Activities

Accounts, orders, settlement, suitability, and prohibited practices. ~31% of SIE.

20 questions
🏛️

Overview of the Regulatory Framework

SEC, FINRA, MSRB rules, registration framework, and investor protections. 9% of SIE — 7 questions. Smallest section.

20 questions

About the SIE Exam

The Securities Industry Essentials (SIE) exam is administered by FINRA and is the required first step for anyone pursuing a career in the securities industry. Unlike other FINRA exams, the SIE has no firm sponsorship requirement — anyone 18 or older can register and take it. Passing the SIE establishes your foundational knowledge and is a prerequisite for all FINRA representative-level qualifications including the Series 6, Series 7, Series 79, and Series 99.

The exam contains 75 scored questions plus 10 unscored pretest questions across four content areas: Knowledge of Capital Markets (16%), Understanding Products and Their Risks (44%), Trading, Customer Accounts, and Prohibited Activities (31%), and Overview of the Regulatory Framework (9%). You have 105 minutes and must score at least 70% to pass. There is no penalty for guessing, so answer every question.

75Scored Questions
105 minTime Limit
70%Passing Score
$80Exam Fee
4 yearsScore Valid

SIE Exam Topic Breakdown

SectionWeightScored QuestionsKey Topics
Knowledge of Capital Markets16%~12Market structure, economic factors, primary vs. secondary markets, offerings
Understanding Products and Their Risks44%~33Equities, bonds, mutual funds, ETFs, options, annuities, risk types
Trading, Customer Accounts & Prohibited Activities31%~23Order types, account types, suitability, insider trading, churning
Overview of the Regulatory Framework9%~7SEC, FINRA, Securities Acts of 1933/1934, registration requirements

Sample SIE Exam Questions

1. A broker-dealer executes trades for its own account immediately before filling a large customer order it knows will move the price of a security. This practice is best described as:

  • A. Churning
  • B. Insider trading
  • C. Front-running
  • D. Painting the tape
Correct: C — Front-running. Front-running occurs when a broker-dealer trades for its own account based on advance knowledge of pending customer orders. Churning refers to excessive trading to generate commissions. Insider trading involves trading on material non-public information about a company. Painting the tape is a manipulation scheme using wash trades to create false volume.

2. Which of the following securities is considered a money market instrument?

  • A. 30-year Treasury bond
  • B. 90-day Treasury bill
  • C. 10-year municipal note
  • D. Preferred stock
Correct: B — 90-day Treasury bill. Money market instruments are short-term debt securities with maturities of one year or less. Treasury bills (T-bills) are issued at a discount and mature in 4, 13, 26, or 52 weeks. Long-term Treasury bonds, municipal notes with multi-year maturities, and preferred stock are not money market instruments.

3. An investor buys a corporate bond when interest rates are at 5%. If interest rates subsequently rise to 7%, what happens to the market value of the bond?

  • A. It decreases
  • B. It increases
  • C. It remains unchanged
  • D. It fluctuates based on the issuer's credit rating
Correct: A — It decreases. Bond prices and interest rates move inversely. When rates rise, newly issued bonds offer higher yields, making existing lower-coupon bonds less attractive and pushing their market prices down. This is known as interest rate risk, and it is most significant for long-duration bonds.

Study Tips for the SIE Exam

Focus the majority of your study time on Understanding Products and Their Risks — this section alone accounts for 44% of the exam. Pay close attention to mutual funds, variable annuities, options basics, and fixed income products. The prohibited activities section trips up many candidates; understand the difference between churning, front-running, and insider trading. Use timed practice exams to build stamina for the 105-minute format, and see our full SIE study guide for a structured week-by-week plan.

The SIE is more conceptual than mathematical. Know the inverse relationship between bond prices and yields, understand the order of claims in liquidation (bondholders before preferred before common), and be able to identify the role of each regulator (SEC, FINRA, MSRB, SIPC).

Frequently Asked Questions — SIE Exam

Do I need firm sponsorship to take the SIE?

No. The SIE is the only FINRA exam that does not require firm sponsorship. Anyone who is at least 18 years old can register and take the SIE independently through FINRA's online enrollment system. You must still pass a top-off exam (like the Series 7 or Series 6) and be sponsored by a member firm before you can transact securities business.

How long is an SIE passing score valid?

A passing SIE score is valid for four years. If you do not associate with a FINRA member firm within that window, you will need to retake the exam. If you become registered and then your registration lapses, the four-year clock restarts from the date your registration terminates.

How hard is the SIE exam?

The SIE pass rate is roughly 72–74% for first-time test takers. Most candidates who study consistently for 3–6 weeks pass on their first attempt. The exam is conceptual rather than math-heavy, so understanding how products work and how regulations apply to scenarios is more important than memorizing formulas.

What is the SIE exam fee?

The SIE exam fee is $80, paid at the time of enrollment through your FINRA account. The exam is delivered at Prometric test centers or online through remote proctoring. If you fail, you must wait 30 days before your first and second retakes, and 180 days after a third failure.

What exams can I take after the SIE?

After passing the SIE, you can sit for any FINRA top-off exam once sponsored by a member firm. The most common are the Series 7 (general securities representative), Series 6 (investment company and variable products), Series 79 (investment banking), and Series 99 (operations professional). Supervisory paths then lead to the Series 9/10, Series 4, and Series 24 principal exams.

Can I take the SIE online?

Yes. FINRA offers online remote proctoring through Prometric's ProProctor platform as an alternative to testing at a physical test center. You need a compatible computer, a webcam, and a reliable internet connection. Your testing environment must meet specific requirements, including a clean desk and no other people in the room.

What is the difference between the SIE and the Series 7?

The SIE tests baseline securities knowledge and requires no sponsorship. The Series 7 is a top-off exam requiring firm sponsorship that qualifies you to sell almost all types of securities. Most candidates take the SIE first, get hired at a broker-dealer, then take the Series 7. The Series 7 is significantly harder — its pass rate is around 65% compared to roughly 73% for the SIE.

How many questions can I miss on the SIE and still pass?

With 75 scored questions and a 70% passing score, you need to answer at least 53 questions correctly. That means you can miss up to 22 questions and still pass. The 10 unscored pretest questions are randomly embedded throughout the exam and do not count toward your score.

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