Is it not true that if I have taxable income from an investment firm, it is required by law to create a 1099 for me?

[DianeW · Accepted solution]

Yes, that's true.  If your income is $10 or more for interest or dividends, and of course if there are any trade or sale transactions of stocks, bonds, etc.

If earnings happen to be in a retirement account they will not be reported to you unless you make a withdrawal. Otherwise they continue to earn money tax free or tax deferred until distribution.