Fake FINRA Dispute Resolution Statement-of-Claim wire-fraud lure — "Statement of Claim filed against you, $1,975 filing fee due 30 days via wire / ACH / cashier's check" targeting registered representatives + retail investors named as respondents; harvested wire goes to attacker bank, not FINRA. Real FINRA filing fees pay via finra.org, never via third-party portal. Distinct from R7 F2 (T+1 settlement-failure spoof). Source: GC1 R8 multiagent council top-5 (S1 fin specialist).
fake-finra-arbitration-statement-of-claim-spoof
What this tier means
Warning signal — bulk / marketing / mild spam. Contributes to the trash score but is not by itself sufficient.
How Gorganizer detects this
Fake FINRA Dispute Resolution Statement-of-Claim wire-fraud lure spoofing the FINRA arbitration process to extract a bogus "filing fee" via wire transfer / ACH / cashier's check. The phish narrative arrives as: "A Statement of Claim has been filed against you naming you as respondent. Filing fee of $1,975 is due within 30 days via wire transfer to avoid panel-selection default." Targets registered representatives, retail investors, and any party who could plausibly be named in a FINRA arbitration — a populated population because FINRA Dispute Resolution receives ~3,000 new arbitration claims per year. The wire goes to attacker bank accounts rather than to FINRA. Real FINRA filing fees are paid via finra.org / arbitration.finra.org online portal where the respondent / claimant logs in with FINRA-issued credentials; FINRA never demands wires to third-party accounts and never sends filing-fee invoices via inbound email link. The 2026 variant is especially credible because (1) actual FINRA arbitration claim volumes spiked through 2024-2026 driven by post-T+1-settlement disputes (May 2024) and the FTX / Binance.US / Voyager / BlockFi / Celsius arbitration aftermath, (2) the $1,975 figure is the ACTUAL FINRA arbitration filing fee for claims of $25,000-$50,000, lending false credibility, (3) FINRA recently expanded electronic-filing through the FIRS (FINRA Information Reporting System) so a "submission failed, re-pay" framing fits emerging legitimate workflows. Distinct from `irs-direct-file-impersonation-lure` (federal tax) and the broader BEC wire-fraud cluster (no FINRA-specific framing). Fires when body references FINRA dispute / arbitration / Statement of Claim / claimant / respondent / panel selection / filing fee AND contains wire / ACH / cashier's check / remittance / panel-selection deadline urgency. Excludes finra.org, arbitration.finra.org, firs.finra.org, sec.gov, sec.report and the broader .gov umbrella. Auto-classified as danger via the `-spoof` suffix. Source: GC1 R8 multi-agent council top-5 (S1 fin specialist).
False-positive guard
Every signal in Gorganizer feeds a multi-module score — never a sole verdict. This is a warning-tier signal — bulk / marketing / mild spam. It contributes to the trash score but never triggers deletion on its own. Gorganizer requires multiple signals + a margin over the safety floor before any email is moved to trash.
About the scoring engine
Gorganizer's scoring engine emits 2,143+ signals across six modules — headers, sender, subject, body, attachments, and structural metadata. Every email is scored by every module independently; the final verdict requires multiple modules to agree and the trash score to beat the safety floor by a margin.
Sacred safety guards — never delete starred emails, replies, calendar invites, receipts/invoices, or attachments — apply unconditionally regardless of any signal.
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