A University of Hawai'i Cooperative Extension Service.
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1 A University of Hawai'i Cooperative Extension Service
2 Increase your knowledge about Course Objectives financial planning Improve your ability to make informed decisions
3 Investor Education: Ponzi Schemes
4 Presenters Department of Commerce & Consumer Affairs Office of the Securities Commissioner Ty Nohara Hawai'i Securities Commissioner Amy Hudson Senior Securities Enforcement Attorney
5 Define what a Ponzi Scheme is Lesson Objectives Provide tips to safeguard your investment Where to report investment fraud
6 We Regulate Focus Areas We Protect We Educate
7 How We Regulate Broker-dealers and their sales agents, and investment advisers and their representatives must be properly registered to do business in Hawai'i (HRS 485A) Call our Securities Compliance Branch at (808) to check the registration of securities professionals
8 How We Protect Call or write to our Securities Enforcement Branch to report investment fraud or to file a securities violation complaint. Call (808) or Toll Free HI-SCAMS ( )
9 How We Educate Investor Education Program: Conducts community outreach statewide Audiences range from Kupuna, to retirees, to working adults and our Keiki Provides free investor education and financial literacy materials via community events, group presentations, and direct requests
10 What is a Ponzi Scheme? A type of financial fraud in which investors are paid returns and repaid principal from later investors The name comes from a notorious swindler named Charles Ponzi He operated this kind of scam in the 1920 s in the United States
11 Understanding a Ponzi Scheme Investor A is paid interest with Investor B s money. Ponzi Promoter Investor B is also paid a small amount of interest. Investor A New Investor B Investor B invests money with Ponzi Promoter. Ponzi Promoter then turns around and pays a small portion of interest to all investors and keeps the rest for himself/herself. Because of this, both investors believe that this is a legitimate investment. Source: NASSA Securities 101: Handbook For Law Enforcement Officials
12 Aloha Trading, Inc. / Perry & Rachelle Griggs Case #1 Amount: $2.4 million Number of Investors: 12 (9 from Hawaii) Affinity Group: Family members of prisoners at Nellis Federal Prison, NV Investments used to pay off other investors and for personal use Case Partner: FBI Results Rachelle released from federal prison 6/10/14 Perry will be released from federal prison 11/7/17
13 Case #2 Billion Coupons / Marvin Cooper Amount: $4.4 million Number of Investors: 125 Affinity Group: Deaf community Promised Return: 15-25% MONTHLY Case Partner: CFTC and SEC Results: CFTC ordered Cooper to pay $6.2 million in disgorgement and penalties
14 Steps To Safeguard Your Money 1. BEFORE you invest any of your hard-earned money - check and verify registration of the investment professional with the Securities Compliance Branch (808) Get everything in WRITING. Do your homework and make sure you understand the investment and any fees/commissions you will pay 3. REPORT Investment Fraud
15 Additional Tips 1. Beware of promises of unrealistic returns 2. Diversify everything 3. Understand your investment 4. Don t sign blank documents 5. Ask yourself, Is this investment suitable for me?
16 Report Investment Fraud Call the Securities Enforcement Branch to file a complaint and/or report fraud: (808) Toll Free: HI-SCAMS ( )
17 Investor Education Program Contact our Investor Education Program to: Request fraud prevention materials and other financial literacy resources Schedule a presentation Request an exhibit at a community event
18 Request Materials We have various types of investor protection materials available.
19 Schedule a Presentation Our presentations cover 7 different topics including Ponzi Schemes.
20 Request an Exhibit We provide materials from our office, as well as information from our local and national partners.
21 Investor Education Program Visit our website for the latest news and updates investing.hawaii.gov Follow us on social media to see what we re doing and when we ll be in your community HISecurities
22 Summary Today we covered: How you can check the registration of your investment professional What is a Ponzi Scheme Tips to safeguarding your investment Where you can report investment fraud How you can get materials to help you make wise and safe investment decisions
23 Office of the Securities Commissioner Contact Information 335 Merchant Street, Room 203 Honolulu, Hawaii Check the registration of securities professionals (808) Report investment fraud (808) Toll Free Request a presentation, exhibit or materials from the Investor Education Program (808)
24 Take Charge of Your Money 4 Website & TV Channels Visit Us TV channels
25 Credits We would like to thank the following groups for their support: University of Hawai'i at Mānoa College of Tropical Agriculture & Human Resources, Cooperative Extension Service, Department of Family & Consumer Sciences Information Technology Services- Academic Technologies State of Hawai'i Department of Commerce and Consumer Affairs, Business Registration Division, Office of the Securities Commissioner
A University of Hawai'i Cooperative Extension Service Project.
A University of Hawai'i Cooperative Extension Service Project www.ctahr.hawaii.edu/tcym Increase your knowledge about Course Objectives financial planning Improve your ability to make informed decisions
A University of Hawai'i Cooperative Extension Service Project.
A University of Hawai'i Cooperative Extension Service Project www.ctahr.hawaii.edu/tcym Increase your knowledge about Course Objectives financial planning Improve your ability to make informed decisions
A University of Hawai'i Cooperative Extension Service Project.
A University of Hawai'i Cooperative Extension Service Project www.ctahr.hawaii.edu/tcym Increase your knowledge about Course Objectives financial planning Improve your ability to make informed decisions
A University of Hawai'i Cooperative Extension Service Project.
A University of Hawai'i Cooperative Extension Service Project www.ctahr.hawaii.edu/tcym Increase your knowledge about Course Objectives financial planning Improve your ability to make informed decisions
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