Protect your shares from being lent by your brokerage to short sellers in a margin account. Request your broker to change your margin account (default account) into a cash account. SEC laws protect investors with cash accounts by not allowing your brokerage to lend your shares to short sellers for a fee. Cash accounts require you to already have the funds available prior to purchasing securities. Cash accounts are like debit cards and margin accounts are like credit cards that charge interest and lend your shares to short sellers. Be a proactive investor by maintaining a cash account.