When respondents delay or deflect, it doesn’t just stall enforcement, it prolongs suffering. Even futile stalling tactics have real-world consequences for harmed consumers. Regulators must account for this human cost and treat manipulation as part of the harm.
Perception is powerful but also dangerous. When regulators or companies shape the narrative, harm can be buried beneath institutional bias. Justice requires not just evidence, but the courage to correct false impressions that protect power, not people.
When platforms mislead and obstruct, regulators are not obligated to stay polite. Courtesy becomes complicity when delay shields repeat offenders. It’s the first full week of 2026 and time for DFPI to show that past misconduct earns a firmer, faster response.
Retirees face unique risks when investing across borders. Different legal systems, unfamiliar protections, and complex jurisdictional conflict can turn small problems into catastrophic losses. U.S. retirees should reduce variables and keep income systems close to home.
Financial misrepresentation doesn’t just drain accounts, it steals years. Lost time, lost stability, and lost peace of mind can never be repaid. For many harmed investors, especially retirees, the real cost isn’t money. It’s the life that could have been lived instead.
Fine-print fraud lets platforms advertise bold promises while burying contradictions in dense legal text consumers will never read. This tactic misleads investors, especially retirees, and cannot be cured by disclaimers. When marketing deceives, fine print becomes evidence of misconduct.
Nexo markets itself as a seamless global platform, but its web of entities across Switzerland, the Cayman Islands, and the U.S. creates an accountability gap. InvestorJustice.org shows how deleted Terms of Service clauses stripped investors of Swiss remedies amid legal pressure.
In October 2024, I exercised my right under Swiss data law to request my Nexo account records. Instead of complying, Nexo counsel demanded an irregular Power of Attorney and ultimately refused. This story shows how jurisdictional evasion leaves investors without accountability.
Nexo was fined $45 million by the SEC for its illegal Earn Interest Product—but many retirement-age investors remain financially ruined, with no recourse. This article calls for overdue cross-border enforcement.
A U.S. investor harmed by Nexo’s liquidation practices calls on the SEC to act on cross-border abuse. Despite past enforcement against Nexo’s Earn Interest Product, other high-risk offerings remain unaddressed—leaving retirement-age victims exposed and unprotected.
A retirement-age U.S. investor calls on FINMA to uphold its cross-border regulatory duty under the SEC–FINMA Memorandum of Understanding following unlawful financial harm tied to Nexo AG.
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