Onboarding and a later customer request trigger different deadlines. An operational record needs to distinguish business days from calendar days.

01 · VERIFIED RECORD

What the primary record establishes

Rule 2268 requires a copy of the agreement within 30 days of signing. A requested copy, or notice that no copy is held, is due within ten business days. FINRA Rule 2268 — Predispute Arbitration Agreements ↗

Where both deadlines apply, the earlier required date governs. These are separate triggers in the rule. FINRA Rule 2268 — Predispute Arbitration Agreements ↗

02 · WFN EDITORIAL ANALYSIS

What the distinction changes

WFN example: a customer asking for a copy shortly after signing creates a second workflow. Leaving that request in the ordinary onboarding queue can obscure which deadline arrives first.

A service tool should store the signature date, request receipt date, applicable calendar and response evidence. Converting ten business days to ten ordinary days without checking the calendar can produce an inaccurate due date.

03 · REVIEW POINTS

What to check before drawing a conclusion

Review the actual agreement and its highlighted notices together with delivery records. A generic statement that arbitration terms exist does not identify the document version associated with the customer’s account.

The full rule contains additional requirements and transitional provisions. This article isolates document-delivery controls; it does not decide enforceability, the forum for a particular dispute or the merits of a customer’s claim.