James Joseph Miller (CRD # 1057886, Registered Representative, Tampa, Florida) submitted a Letter of Acceptance, Waiver and Consent in which he was barred from association with any FINRA member in any capacity. Without admitting or denying the findings, Miller consented to the described sanction and to the entry of findings that he received $176,942 from customers to be deposited into their respective brokerage accounts but, instead, he deposited the funds into his personal bank account without the customers’ authority, and used the funds to pay for his own personal expenses.