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This is 100% accurate...You have to pay the NFa every year. File reports quarterly. Pay a legal team to make partnership agreements for cpo and disclosure docs for CTA. Not to mention you will need to hire a compliance consultant to keep you compliant. Unless you are serious about managing other peoples money. Don't get license. Just learn the material if you want. To be completely honest everything on the series 3 is a utter joke. I can't believe they teach have the crap that is in it.