Table of Contents
InvestorJustice.org | Enforcement Ethics Series
No bad actor self-corrects. No deceptive platform quietly retires.
Harm ends only when enforcement begins.
Why January Matters
Platforms that mislead and delay rely on a familiar playbook:
- Wait out complainants
- Hide behind offshore entities
- Stall through holidays
- Bet on regulatory silence
That strategy only works if regulators allow it.
January is when the bluff must be called.
What Regulators Already Have
Agencies like the California Department of Financial Protection and Innovation (DFPI) already possess:
- ✅ Authority to prioritize senior vulnerability
- ✅ Power to demand records
- ✅ Jurisdiction over U.S.-connected platforms
- ✅ Mandates to protect consumers — not corporate delay
What’s missing is not authority, it’s application.
The Cost of Delay
Every day without action:
- Protects bad actors
- Harms real people
- Increases institutional risk
- Signals that obstruction works
Silence is not neutral when harm is ongoing.
The Takeaway
Bad actors don’t stop unless they are stopped.
January is the month for pressure, not patience.
The victims are waiting.
And justice is overdue.
