Ray Thomas Brown

Marked as

Medium Risk Individual

Last updated - February 5, 2026

Medium Risk

i
2.0

1.8

User Score

1.7

Trust Score

2.3

Brand Score

OVERVIEW

About Ray Thomas Brown

Ray Thomas Brown ran a multimillion-dollar commodity scam, promising impossible 100% monthly returns while misappropriating investor funds. Permanently banned from trading by the CFTC, he served 24 months in federal prison and still owes massive restitution to victims.

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CONNECTIONS AND RELATIONSHIP

FINANCIAL RISK AUDIT

For Consumers
For Consumers

High Risk

Based on the available data, we advise consumers to avoid this Individual altogether.

This advisory is based on an aggregate risk score derived from OSINT, Adverse Media, Reviews, and Risk Factors identified in our research.

You are likely to be at great risk by engaging in any sort of consumer-related activity with this entity.

For Employees
For Employees

Medium Risk

Based on the available data, we advise employees to be mindful when considering or continuing work with this Individual.

This advisory stems from a medium-risk score compiled from OSINT, Adverse Media, Reviews, and Risk Factors uncovered in our analysis.

Employment with this entity may involve moderate risks.

For Banks & Investors
For Banks & Investors

High Risk

Based on the available data, we urge investors and bankers to avoid financial involvement with this Individual.

This advisory is informed by an aggregate risk score based on OSINT, Adverse Media, Reviews, and Risk Factors identified through our investigation.

Engaging in investment or lending activities with this entity poses a substantial risk to your financial interests.

ASSESSMENT OUTCOME
  • Safe to Onboard

  • Enhanced Due Diligence required

  • Do Not Onboard

RECOMMENDATIONS
  • Monitor adverse media every 6 months

  • File SAR (Suspicious Activity Report) is warranted

  • Escalation to compliance committee

  • None

Do you agree with this our assessment on Ray Thomas Brown?

OSINT DATA POINT

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Alias

Ray Brown
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Location

Phoenix
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State

Arizona
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Firm

Ray Brown & Associates
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Role

Owner
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Program

Equity-Plus
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Scheme

Commodity Pool
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Returns Promised

100%
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Victims

60
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Amount Defrauded

1.2 Million
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Registration Status

Unregistered
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CFTC Status

Charged
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Complaint Year

2012
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Final Judgment

2014
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Restitution

1,131,942
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Civil Penalty

140,000
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Total Ordered

1,271,942
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Bans

Permanent
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Criminal Charge

Wire Fraud
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Prior Conviction

Bad Checks
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State Prison

North Carolina
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Partner

Donna Steadman
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Outreach Method

Skype
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Victims location

Multi-State
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ENTERPRISE RISK ASSESSMENT (ERA)

Ray Thomas Brown was never registered with the CFTC as a commodity pool operator or commodity trading advisor, operating completely outside federal regulatory requirements.

He falsely advertised guaranteed monthly returns of up to 100% with zero risk, claims that were mathematically impossible and entirely fabricated.

The vast majority of deposited funds were misappropriated for personal expenses and Ponzi-style payments to earlier investors rather than used for legitimate trading.

Virtually no real trading occurred; the small amount traded resulted in nearly total losses, while fake statements showed fictitious exponential gains.

He deliberately targeted vulnerable individuals during personal hardships, using charm, Skype calls, and personal rapport to build trust before soliciting money.

Approximately sixty victims across multiple states lost over $1.2 million, including life savings, retirement funds, and emergency reserves.

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AML and KYC Assessment

Regulatory and Compliance Screening

  • Sanctions Matches
  • Yes
  • No
  • Unclear
  • PEP Status
  • Yes
  • No
  • Unclear
  • Watchlist: (Interpol, EU, UN, OFAC, etc).
  • Yes
  • No
  • Unclear
  • Law Enforcement Mentions
  • Yes
  • No
  • Unclear

Litigation and Legal Proceedings

  • Criminal Proceedings
  • Yes
  • No
  • Unclear
  • Regulatory Enforcement Actions: [SEC, FCA, SEBI, etc.]
  • Yes
  • No
  • Unclear
  • Ongoing Investigations
  • Yes
  • No
  • Unclear
  • Reputational and Adv
  • Yes
  • No
  • Unclear

Reputational and Adverse Media Risks

  • Negative Media Mentions
  • Yes
  • No
  • Unclear
  • Allegations / Scandals
  • Yes
  • No
  • Unclear
  • Social Media Red Flags
  • Yes
  • No
  • Unclear
  • Censorship Attempts [PR, Takedowns, DMCA Abuse, etc.]
  • Yes
  • No
  • Unclear

Geographic and Jurisdictional Risk

  • Country Risk Level
  • Yes
  • No
  • Unclear
  • High-Risk Sections [Crypto, Gambling, Arms, etc.]
  • Yes
  • No
  • Unclear
  • Offshore Jurisdictions Used [Panama, BVI, Cyprus, etc.]
  • Yes
  • No
  • Unclear

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RED FLAGS AND ADVERSE NEWS

coming

investorclaims.com

Visit Link

Phoenix advisor Ray Brown pled guilty to defrauding ~60 investors of $1.1M via a fake commodity pool promising high returns.

  • First Detected

    05/12/2012
  • Sentiment Analysis

    Negative
  • Reach

    <1000
  • POV

    Third Person
  • Risk Factor

    High
  • Type

    Legal
  • Traffic Source

    Website
  • SERP

    Top 30
  • Share of Voice

    10%
  • Primary Keyword

    Fraud
coming

azcentral.com

Visit Link

Ray Thomas Brown, Phoenix financial adviser convicted of fraud, urged the judge for leniency in his sentencing after admitting to defrauding investors

  • First Detected

    25/07/2014
  • Sentiment Analysis

    Negative
  • Reach

    <1000
  • POV

    Third Person
  • Risk Factor

    High
  • Type

    Legal
  • Traffic Source

    Website
  • SERP

    Top 30
  • Share of Voice

    10%
  • Primary Keyword

    Fraud
coming

cftc.gov

Visit Link

CFTC charged Phoenix’s Ray Thomas Brown with fraud, misappropriation, and unregistered commodity pool operations, freezing his assets.

  • First Detected

    06/12/2012
  • Sentiment Analysis

    Negative
  • Reach

    <1000
  • POV

    Third Person
  • Risk Factor

    High
  • Type

    Regulatory
  • Traffic Source

    Website
  • SERP

    Top 30
  • Share of Voice

    20%
  • Primary Keyword

    Fraud

Other Red-Flags and Adverse News

redflag
2014 Final judgment handed down in Arizona commodity pool scams, (Jan 22, 2014)
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2012 United States district court for the district of Arizona Phoenix Division

Financial Profile for Ray Thomas Brown

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Based on user engagement on this review profile, ProConsumer will decide to publish its Risk Audit report for public if a threshold engagement, traffic and user input is achieved.

  • Known Assets: [Real estate, investments, companies]

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  • Suspicious Transactions

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  • Liabilities: [Bankruptcies, defaults, debts]

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  • Wealth Sources: [Legitimate / Unclear / High-risk]

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  • Bank Relationships

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  • Bank Relationships

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  • Ultimate Beneficial Owner(s) (UBOs)

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  • Shareholding structure

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  • Associated entities & subsidiaries

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  • Offshore / shell company links

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  • Trusts / Nominee arrangements

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  • Business Model Assessment

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Consumer Reviews and Ratings for
Ray Thomas Brown

All comments are user-generated content and may not be verified. They represent the personal opinions of the public and should not be relied upon. These comments do not influence or determine our overall rating.

User Rating for Ray Thomas Brown

Ray Thomas Brown ran a multimillion-dollar commodity scam, promising impossible 100% monthly returns while misappropriating investor funds. Permanently banned from trading by the CFTC, he served 24 months in federal prison and still owes massive restitution to victims.

USER’S SCORE

1.8

Trust

1

Safety

2

Brand

1

Risk

3.3

Pros

  • greentick

    Highly experienced

  • greentick

    Well-recognized name

Cons

  • redcros

    Faced allegations of scamming others

  • redcros

    Allegedly sold fake silver

  • redcros

    Sued multiple times

  • redcros

    Unregulated industry

  • redcros

    Alarming number of complaints online

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  • Trust
  • Brand
  • Safety
  • Risk

PROS

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CONS

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  • author-default
  • Luna Powell
    March 30, 2026 at 7:27 am

Makes me mad thinking about people losing their life savings. Scam artists like him should never be allowed near trading again.

Trust

1/5

Safety

2/5

Brand

1/5

Risk

4/5

  • author-default
  • Wyatt Perry
    March 30, 2026 at 7:25 am

Idk how anyone thinks they can cheat the system forever. Wire fraud, misappropriated funds… man, that’s serious.

Trust

1/5

Safety

2/5

Brand

1/5

Risk

3/5

  • author-default
  • Owen Coleman
    March 30, 2026 at 7:24 am

Honestly, I can’t believe ppl fell for this scam. Fake promises like that ruin trust in investing for everyone.

Trust

1/5

Safety

2/5

Brand

1/5

Risk

3/5

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