Criminal Complaints & Regulatory Actions
Escalating to Federal Law Enforcement and Regulators
Phase Overview
Phase 4 escalates beyond civil remedies to engage federal law enforcement and regulatory agencies. These templates report criminal violations to the FBI, request prosecution from the DOJ, file regulatory complaints with the CFPB, and report securities fraud to the SEC.
These agencies have investigative powers, can impose fines and penalties, and in some cases can initiate criminal prosecution. Filing these complaints creates additional pressure and establishes a documented record of the violations with federal authorities.
Critical Considerations
- Truth and Accuracy: False statements to federal agencies are crimes. Be accurate and truthful in all submissions.
- Documentation: Attach all supporting evidence. The stronger your documentation, the more likely action will be taken.
- Follow-Up: Agencies receive many complaints. Follow up persistently and professionally.
- Coordination: Filing with multiple agencies creates broader pressure and cross-referencing of violations.
- Expectations: Federal agencies have discretion and limited resources. Not all complaints result in action.
Phase 4 Templates
FBI Criminal Complaint
Report bank fraud, mail fraud, wire fraud, RICO violations, and other federal crimes to the FBI White Collar Crime Division. Creates permanent federal record and may initiate investigation.
DOJ Criminal Referral
Request federal prosecution from the Department of Justice Criminal Division. Formal request for criminal charges, grand jury investigation, and asset forfeiture.
CFPB Consumer Complaint
File regulatory complaint with the Consumer Financial Protection Bureau. CFPB can investigate, impose fines, require restitution, and issue consent orders against servicers.
SEC Securities Fraud Complaint
Report mortgage-backed securities fraud and REMIC violations to the SEC. Addresses securitization fraud affecting investors. Potential whistleblower awards available.
Agency Overview
| Agency | Focus Area | Powers | Typical Response Time |
|---|---|---|---|
| FBI | Federal criminal violations | Investigation, arrest, criminal referral to DOJ | Varies widely; complex cases may take years |
| DOJ | Federal prosecution | Grand jury, indictment, criminal prosecution, asset forfeiture | Prosecutorial discretion; no guaranteed timeline |
| CFPB | Consumer financial protection | Investigation, fines, consent orders, restitution | 15 days for company response; 60 days typical resolution |
| SEC | Securities fraud | Investigation, disgorgement, penalties, trading suspensions | Varies; whistleblower awards if successful enforcement |
Strategic Considerations
Maximizing Impact
- File with multiple agencies: Cross-referencing complaints creates broader awareness and pressure
- Document everything: Keep copies of all submissions and confirmations
- Follow up regularly: Don't assume filing is enough; persistent follow-up is essential
- Connect with other victims: Pattern evidence strengthens all complaints
- Coordinate with litigation: Reference pending complaints in court filings for added pressure
Building Your Case
These complaints reference the documented violations from earlier phases:
- Unanswered QWRs and debt validation requests (Phase 1)
- Unrebutted Affidavits of Truth (Phase 2)
- Evidence of robo-signing and document fabrication
- Federal Reserve and Bank of England publications on money creation
- Court filings and case documentation (Phase 3)
Whistleblower Considerations
The SEC Whistleblower Program provides awards of 10-30% of monetary sanctions over $1 million. If you have original information about securities fraud not publicly known, consider filing Form TCR for potential award eligibility.