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In this July 30, 2013, file photo, Commodity Futures Trading Commission (CFTC) Chairman Gary Gensler testifies on Capitol Hill in Washington. Gensler, now chair of the Securities and Exchange Commission, gave a speech Wednesday, June 9, 2021, where he once again decried “gamified” investing. Many trading apps use features that encourage customers to make trades more often. That brings in more revenue for the apps but some research also suggests it leads to lower returns for the average investor. (AP Photo/J. Scott Applewhite, File)

In this July 30, 2013, file photo, Commodity Futures Trading Commission (CFTC) Chairman Gary Gensler testifies on Capitol Hill in Washington. Gensler, now chair of the Securities and Exchange Commission, gave a speech Wednesday, June 9, 2021, where he once again decried “gamified” investing. Many trading apps use features that encourage customers to make trades more often. That brings in more revenue for the apps but some research also suggests it leads to lower returns for the average investor. (AP Photo/J. Scott Applewhite, File)

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