I call Fidelity and ETRADE at least once a year an

I call Fidelity and ETRADE at least once a year and make sure the rep tells me that my shares are not available to be lent out. I also make sure to ask them that I don’t have the ability to have a margin account.

I know the answer is no before I make the call, but it’s always nice to check in and put myself on record saying that my shares will never be lent out