Regulators: Elder Justice – Administration for Community Living (ACL)

 

Prerequisite:   Before you complain to regulators

Country: United States of America
Country Common Nicknames: United States, USA, US
Big Bad Regulator, Long Name: Elder Justice
BBR, Short name: ElderJustice
Type: Government, under Admin of Community Living, Dept of Health and Human Services 
Main website homepage:
https://elderjustice.acl.gov/
Regulatory licenses issued:

NO

Complaints: Yes
Do they do alerts? Yes, several times a month 
Do they ever eject a registered company? No
Do they ever fine a registered company? No
Do they ever directly or indirectly file criminal charges? Yes.
Do they ever mandate repayments to clients? No
Contact info see below [keep reading until end]

(video on elder resources)

Elder Justice (EJ) is a collection of resources to assist elderly people from being mistreated medically or financially.  EJ is managed by Administration of Assisted Living, Department of Health and Human Services (not to be confused with Elder Justice Initiative from the Dept of Justice).  Elderly in this case means anyone over the age of 60.  The idea is that as people get older, they may need assistance. But they are still adults and have autonomy to make their own decisions.   There is a tendency for some unscrupulous persons to take advantage of such people while pretending to be “assisting” such a person.

Some common examples of the financial mistreatment aspects may include a caretaker who might convince an elder to deposit money into a high-risk scheme in which they directly control or would receive a kickback from.   Or a disagreement among siblings on certain possessions.  (You’d actually be surprised how disagreements between siblings over estate/household possessions).  Illegally using the elder’s bank account or other finances to directly finance your own life

Elderly people are technically adults, so most crimes are punished through the normal channels of filing a police report.  But some common reasons why elderly are particularly affected is because:

  • An elder may feel particularly ashamed and embarrassed by the situation.
  • The majority of elder abuse is perpetrated by either family members or trusted others.   
    • There are some conflicted feelings about seeking help because they don’t want to get family members in trouble with the law, even though they want the abuse to stop.
  • Often they have been warned by the person perpetrating abuse not to reveal the abuse to others. 
    • Or there may not be direct threats, but the elder may feel a dependency upon that person, so they are similarly fearful. 

Many of the resources are quite scattered for elderly people.  A lot of the gov’t articles and suggestions seem to be “feel-good” type of resources.   And while I’m not downplaying the importance of positive attitude in helping one avoid being ripped off, it would be good if there were a bonafide complaint tool that can lead to a recovery of a scam investment.   

One interesting resource is called “Adult Protective Services” (APS).   Interestingly enough, it is not called Elderly Protective Services.    APS name has some serious “big brother” implications.  APS appears to be managed on a state level, but statistics about how APS is administered on each state is available.  According to this quote (Who can participate in NAMRS):

NAMRS is a reporting system for state-level data. Each state submits a report to NAMRS annually. States with county-based APS programs or more than one agency that investigates adult maltreatment compile and submit data through a lead agency. For the last several years, all 50 states, the District of Columbia, and the five U.S. territories have submitted at least Agency Component data. The number of states submitting Case Component data has been gradually increasing.

and also this quote from NCEA regarding Adult Protective Services

Adult Protective Services (APS) is the most widely used intervention to address elder mistreatment and neglect. This social services agency is charged with investigating allegations of abuse and neglect and facilitating appropriate remedies. Interventions may embrace referrals to law enforcement and result in criminal prosecution. APS may make recommendations for protective elder abuse retraining orders or guardianships. Caseworkers may also suggest and help implement restorative resolutions….APS arose out of Title XX of the Social Security Act of 1974, which provided federal funding to states to develop APS programs.

I will actually include several other resources in this article below that will hopefully cut down a lot of time trying to find on your own.   

#RegulatedFool

_______________________________________________

Remember to study the  Before you complain to regulators  guide before reaching out. 
Contact emails eldercare email:  eldercarelocator@n4a.org , eldercarelocator@USAging.org
Contact form none on main site, but feedback form  may be useful 
Contact list: ^^  ^^
Additional contacts Read below
  [Mail correspondence] None
FAX: none
   
Eldercare  hotline

1-800-677-1116 (8 a.m. to 9 p.m. ET, Monday through Friday)

TTD/TTY  1-800-677-1116

 
 law authority 42 USC §§ 1397j to 1397m-5 
Complaints

Database for Adult Protective Services  |  Lookup manually by state

Investor resources Legal assistance for elderly  |  National Long Term Care Ombudsman  (find tool)
Key pamphlets  Transportation Independence (local backup)  |  General guide to Senior-related benefits  (local backup)  |   Financial Exploitation  (local backup)  |  Home Improvement Scams  (local backup)  |   Brain Health (local backup)  |  Connecting Elders and caregivers  (local backup)  
 
 

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4EverMaAT

4EverMaAT

4EverMaAT started trading derivatives since he was 18 years old, and found his way into forex over a decade ago and started developing automated trading systems to assist his leap into professional trading. This includes creating the worlds first (and only?) true coincident trend indicator: APAMI (Awesome/Amazing Price Action Measurement Indicator). No lag, no averaging. Just complex, measured price action made simple. Find out more at AwarenessForex.com.

MaAT is an ancient Kemetic phrase that translates to "Truth, reciprocity, balance". Obviously when a company or trader tries to scam their client/business partner out of money, this upsets the natural balance that exists when contracts are formed and traded. But the best way forward is not to be a helpless victim, but to ensure that you are informed with whom you are trading with. And more importantly, whom you are trusting your hard earned dollars with.

4EverMaAT couldn't help but notice that the scams that most people fall for are very similar day by day, month over month, and year after year. MaAT believes that less people would fall for scams if only they took some more responsibility for their own trading choices. This ultimately means resisting one's own gambling impulse and gathering hard evidence (video, screenshot, trading history, etc) of all relevant trading activity. And consolidating this evidence so that it creates a clear, concise timeline of events. More details are related at upcoming blog RegulatedFool.com

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