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Comma Compliance

Encrypted messaging

You've seen the iMessage compliance gaps.

You just haven't seen a better option.

Comma Compliance gives your team full iMessage functionality without disabling features or compromising compliance.

Our purpose-built iMessage archiving captures every relevant business message in real time, without draining devices, invading privacy, or relying on Apple cloud storage.

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Comma Compliance dashboard showing messages, risks flagged, time saved, and analysis
Architecture comparison: iCloud backup-based iMessage capture (left, status quo) versus Comma Compliance's direct immutable capture (right). The backup-based path requires six device-state conditions before any record exists and produces an archive that reflects backup time, not send time. Direct immutable capture writes to a WORM archive at send time with milliseconds of network propagation as the only risk window.

Why Comma Compliance’s iMessage Archiving Is Different

Legacy tools treat iMessage like it’s still 2010. Your compliance strategy deserves better.

  • Point-of-delivery iMessage archiving

    • Messages captured as they arrive, not after a sync
    • Works regardless of iCloud settings, device state, or backup schedule
    • Deletions on the custodian's device have no effect on the archived record

  • Business iMessages, captured at the source

    • 1:1 and group messages, regardless of device
    • Timestamps, contact details, and attachments included
    • Thread structure and message order preserved for examination readiness

  • No device footprint

    • Comma does not run on employee devices — no app installation, no MDM requirement, no battery drain
    • Designed for BYOD environments where agents on personal phones aren't an option

Why the architecture matters

For your compliance team

  • Point-of-delivery capture

    Messages are archived the moment they're received, not after an iCloud sync or backup. The record exists before the employee can delete it.

  • Regulator-ready storage

    Designed against SEC Rule 17a-4 and FINRA Rule 4511. Immutable, tamper-protected archives with a complete audit trail.

  • Examination-ready retrieval

    Every archived conversation is searchable and exportable directly from the dashboard. No support ticket, no delay — records in minutes.

For your IT team

  • No device agents, no MDM

    Comma installs nothing on employee iPhones. No MDM enrollment, no configuration profiles, no ongoing device management. Deployment scales from a single registered representative to a 1,000-seat broker-dealer from one centralized admin console — no branch-by-branch IT coordination required.

  • iCloud-independent

    Archiving works regardless of employee iCloud settings. If an employee turns off iCloud, replaces their device, or deletes a conversation, the Comma archive is unaffected — records were written at delivery, before any device-side dependency.

For your employees

  • Blue bubbles stay blue

    Some compliance tools downgrade iMessage to SMS, turning conversations green and stripping features like read receipts, reactions, and typing indicators. Comma preserves the native iMessage experience. Nothing changes for your team.

  • Personal messages stay private

    A simple toggle keeps personal contacts separate. Nothing from friends or family is ever captured.

What Regulators Look For During an Exam When iMessage Is in Scope

When FINRA and SEC examiners review iMessage communications during an examination, they aren’t just looking for evidence that it was used. They’re looking for evidence that your firm knew about the risk and had controls in place to address it — and that those controls actually worked. In practice, four things come under scrutiny.

  1. Your written supervisory procedures

    Under FINRA Rule 3110, firms are required to have documented policies on off-channel communications that are current, enforced, and demonstrably working. Examiners want to see that your WSPs address personal device messaging specifically: not just a generic policy that predates the iPhone.

  2. Your training records

    Did employees receive training on which channels are approved? Can you prove it? iMessage is pre-installed on every iPhone and looks identical to SMS. Without explicit training, most employees don't register it as a separate compliance consideration.

  3. Tone from the top

    iMessage is the default on every personal iPhone. If a managing director texts a client from their personal number, it goes through iMessage automatically — often without either party thinking of it as a compliance event. Regulators know this. They look at whether leadership treats personal device messaging as a risk, not just a convenience.

  4. Whether you can produce the records

    iCloud sync is not a compliance archive. If an employee's iCloud was off, their device was replaced, or they deleted a thread, iCloud has no record. Firms relying on iCloud backups for iMessage retention routinely discover gaps only when an examiner asks for a specific conversation. When that request comes, Comma doesn't make you file a ticket. Every archived conversation is searchable and exportable directly from the dashboard. You can produce records in minutes, not days.

FAQ about iMessage Compliance

How does Comma's iMessage archiving address FINRA and SEC recordkeeping?
Comma's iMessage archiving is designed against FINRA Rule 4511 and SEC Rule 17a-4 recordkeeping requirements. Business iMessages are written to immutable, WORM-compliant storage at the point of delivery, with a complete audit trail and examination-ready retrieval.
Does Comma capture personal iMessages?
No. With a simple toggle, Comma separates business contacts from personal ones. Messages with friends, family, or non-business contacts are never archived.
Does iCloud need to be enabled for archiving to work?
No. Comma archives iMessages independently of iCloud. If an employee has iCloud disabled, restricted, or simply hasn't synced recently, the archive is unaffected. Messages are captured regardless of device settings.
What happens if an employee deletes a message?
Nothing — from a compliance standpoint. Messages are captured and written to the archive at the point of delivery. A deletion on the custodian's device after that has no effect on the archived record.
How quickly can iMessage records be produced for an SEC or FINRA examination?
Records are retrievable directly from the Comma platform within minutes. No support ticket required. SEC Rule 17a-4 requires records from the first two years to be producible within hours — Comma meets that standard.
Does iMessage compliance work under BYOD policies?
Yes. Comma doesn't run on the employee's device, doesn't require MDM enrollment, and doesn't access personal content. It's designed specifically for BYOD environments where installing agents on personal phones isn't an option.

BYOD at scale: iMessage capture without MDM.

Deploying across hundreds of registered reps on personal devices? Comma captures iMessage without MDM, device agents, or IT involvement. Multi-entity setup and dedicated implementation available.

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