Table of Contents
InvestorJustice.org | Editorial Series
When a platform lies to the public, especially retirement-age consumers, there is no middle ground.
Either the misrepresentation is addressed, or it is tolerated.
Regulatory neutrality, in this context, is not neutral.
It is complicity.
What We Know
When companies:
- Advertise false or misleading APRs
- Refuse to provide account records
- Stall or obstruct regulatory outreach
- Operate offshore to evade accountability
They are not engaging in “business strategy.”
They are creating intentional harm and that harm demands consequence.
Why Retirement-Age Cases Are Different
For older consumers:
- Recovery windows are short
- Financial loss affects housing, care, and health
- Trust, once broken, is rarely restored
Delay in these cases is not cautious. It is unjust.
It multiplies harm and communicates impunity.
The Time for Action
When evidence of misrepresentation and harm is clear, regulators already have the tools to act:
- ✅ Demand records
- ✅ Enforce cooperation
- ✅ Escalate noncompliance
- ✅ Compel restitution
No new laws are required.
Only resolve.
The Takeaway
Misrepresentation is not a technicality, it is a trigger.
When retirement-age consumers are harmed, enforcement is not optional.
It is the ethical balance to a violation of public trust.
The test of a regulator’s integrity is not what they say they protect.
It’s what they actually protect and when.
