The agreement addresses allegations that Robinhood encouraged inexperienced investors to engage in risky trades. This agreement resolves an administrative enforcement action initiated in 2020 by Massachusetts Secretary of State Bill Galvin. The action was based on claims that Robinhood's platform design and marketing strategies amounted to a "gamification" of trading. This approach, according to the allegations, boosted user engagement but did so at the risk of promoting hazardous trading behaviors among inexperienced investors. According to the enforcement arm of the Massachusetts Securities Division, the app-based platform failed in its duty to stop frequent outages and disruptions on its trading platform. This was in addition to employing aggressive marketing tactics to draw inexperienced traders, including the use of "gamification methods to control clients."