Provision record
Robinhood · Robinhood Customer Agreement (PDF) · View original document ↗

Broad Right of Offset Across Affiliated and External Accounts

High severity Medium confidence Explicit document language Unique · 0 of 352 platforms
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Document Record

What it is

The agreement authorizes Robinhood to recover amounts owed by debiting the customer's brokerage account, external bank accounts, any affiliated Robinhood accounts, and any account in which the customer holds a beneficial interest, without prior notice. This authorization survives account termination.

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This analysis describes what Robinhood's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology

ConductAtlas Analysis

Why it matters (compliance & governance perspective)

This provision establishes a cross-entity, post-termination right of offset that extends beyond the brokerage account to external bank accounts and accounts in which the customer holds only a beneficial interest. The scope of this offset authorization may require evaluation under applicable state offset, garnishment, and exemption statutes, as well as Regulation E protections for consumer deposit accounts.

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Interpretive note: The enforceability of the offset authorization over external bank accounts and accounts in which the customer holds only a beneficial interest may vary by jurisdiction and depends on the interaction with Regulation E and applicable state exemption statutes.

Consumer impact (what this means for users)

Under this clause, Robinhood may debit external bank accounts, affiliated Robinhood accounts, and accounts in which the customer holds a beneficial interest to recover any amounts owed, without prior notice, including after account termination. The agreement states this authorization survives termination of the account and the agreement.

Cross-platform context

See how other platforms handle Broad Right of Offset Across Affiliated and External Accounts and similar clauses.

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▸ View Original Clause Language DOCUMENT RECORD
"
You authorize Robinhood to recover amounts you owe, and to debit, charge or otherwise exercise a right of offset to recover funds from the balance in your Account, your external bank account, any account you own with an Affiliate of Robinhood, any other present or future account carried by Robinhood or its Affiliates in which you have a beneficial interest (meaning you are entitled to the economic benefit of the account's assets, whether or not you are the account's registered owner), or any other payment instrument linked to your Account.

Excerpt from Robinhood's Customer Agreement (PDF)

ConductAtlas Analysis

Institutional analysis (regulatory & governance intelligence)

(1) REGULATORY LANDSCAPE: The right of offset provision engages Regulation E (Electronic Fund Transfer Act) protections applicable to consumer deposit accounts, state offset and exemption statutes that may limit setoff rights against certain account types, …

Insight

Unlock the full institutional analysis

Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.

Applicable agencies

  • CFPB
    The CFPB enforces Regulation E governing electronic fund transfers from consumer deposit accounts, which may be relevant to offset debits from external bank accounts.
    File a complaint →
  • State AG
    State attorneys general have authority over consumer contract terms that may conflict with state offset, exemption, or consumer protection statutes.
    File a complaint →

Provision details

Document information
Document
Robinhood Customer Agreement (PDF)
Entity
Robinhood
Tracking information
First captured by ConductAtlas
March 6, 2026
Text quoted from version
CA-V-007246, captured Oct. 1, 2026
Record ID
CA-P-078252
Document ID
CA-D-000050
Evidence Provenance
Source URL
Wayback Machine
Archived bytes SHA-256 (version CA-V-007246)
0ad900e5a9e9f56bcc3dfcb4e95fbb830c3d11d17af64d07677c3625927efddd
Analysis generated
October 5, 2026 01:55 UTC
Methodology
Evidence
✓ Excerpt found verbatim in version CA-V-007246 (checked Oct. 5, 2026)
Citation Record
Entity: Robinhood
Document: Robinhood Customer Agreement (PDF)
Record ID: CA-P-078252
Version: CA-V-007246
Captured: 2026-10-01 00:12:34 UTC
SHA-256: 0ad900e5a9e9f56b…
URL: https://conductatlas.com/platform/robinhood/robinhood-customer-agreement-pdf/provision/CA-P-078252/broad-right-of-offset-across-affiliated-and-external-accounts/
Accessed: Oct. 11, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
High
Categories

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Frequently Asked Questions

What does Robinhood's Broad Right of Offset Across Affiliated and External Accounts clause do?

This provision establishes a cross-entity, post-termination right of offset that extends beyond the brokerage account to external bank accounts and accounts in which the customer holds only a beneficial interest. The scope of this offset authorization may require evaluation under applicable state offset, garnishment, and exemption statutes, as well as Regulation E protections for consumer deposit accounts.

How does this clause affect you?

Under this clause, Robinhood may debit external bank accounts, affiliated Robinhood accounts, and accounts in which the customer holds a beneficial interest to recover any amounts owed, without prior notice, including after account termination. The agreement states this authorization survives termination of the account and the agreement.

Is ConductAtlas affiliated with Robinhood?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Robinhood.