The New Public Mandate: From Consumer Protection to Civic Protection
Consumer protection is no longer enough. This essay reframes accountability as a civic responsibility — a preventive, transparent infrastructure that protects public trust itself.
Regulatory Oversight
When Protection Fails: Reclaiming Accountability in Financial Oversight
When oversight becomes reactive instead of protective, citizens pay the price. This essay calls for institutional courage, the kind of transparency that prevents harm instead of merely punishing it afterward.
The Erosion of Trust: How Regulatory Inaction Fuels Public Cynicism
When oversight bodies delay or deflect, public faith decays. This essay explores how regulatory silence teaches citizens to expect disappointment — and how transparency is the only antidote to cynicism.
![[PDF] Addressing the Risks of Nexo to Swiss Banking and Regulatory Reputation - Case 2025-000001](https://cdn.mymidnight.blog/14d9e8007c9b41f57891c48e07c23f57/2025/10/IMG_5212-8.png)
[PDF] Addressing the Risks of Nexo to Swiss Banking and Regulatory Reputation - Case 2025-000001
This policy-style analysis examines gaps in Swiss crypto oversight frameworks and outlines structural risks to investors and regulators alike.
Launch of the Investor Red Flag Database
InvestorJustice.org has launched the Investor Red Flag Database — a continuously updated record of financial entities, jurisdictions, and practices posing heightened risk to investors. This open-access tool helps investors identify structural and regulatory red flags before harm occurs.
InvestorJustice Advisory: Why Investors Should Be Cautious About Switzerland
Switzerland’s legacy reputation for financial integrity masks serious investor-protection gaps. FINMA’s permissive stance toward cross-border entities, opaque rulings, and innovation rhetoric leave harmed investors without meaningful recourse.
InvestorJustice Advisory: Cayman Islands Jurisdictions
Cayman registration limits investor protections. Entities serving foreign clients often fall outside CIMA’s scope, leaving retail investors without a regulator or accessible complaint process.