On August 30, 2021, Jose and Martha Ferreira were arrested in Dauphin County.  According to the criminal complaint, Elegant Auto Tags is a business located in Philadelphia owned by Martha Ferreira. The complaint stated that Jose Ferreira, who was not a licensed car salesperson, sold vehicles to customers along with Pennsylvania titles, registrations and licenses plates obtained through his wife Martha’s business.  The Ferreiras allegedly conspired with Jorge Araujo, the owner of J & V Motors, Inc., in Philadelphia, to submit paperwork containing fraudulent information to PennDOT, for the purpose of obtaining valid Pennsylvania vehicle license plates, registrations and title paperwork for customers who were not legally entitled to them. According to the complaint, between March 2020 and March 2021, Elegant Auto Tags fraudulently obtained thousands of Pennsylvania motor vehicle titles, registrations and license tags, for which they charged customers $1,000 per plate. The complaint further stated that the Ferreiras fraudulently obtained “Reconstructed” vehicle titles for vehicles that had been branded as “Salvage”. The vehicles allegedly had not undergone the enhanced inspections required by PennDOT to ensure that they were roadworthy. The charging documents stated that Elegant Auto Tags underreported the amount of Pennsylvania sales tax owed on the vehicle transactions. According to the complaint, this underreporting amounted to theft of more than $100,000 in unpaid sales taxes which should have gone to the Pennsylvania Department of Revenue.  Jose and Martha Ferreira were charged with one count of Corrupt Organizations (F1), one count of Dealing in Proceeds of Unlawful Activities (F1), one count of Criminal Conspiracy (F1), one count of Theft by Deception (F2), one count of Forgery (F2), one count of Insurance Fraud (F3), one count of Deceptive Business Practices (F3), two counts of Tampering with Public Records or Information (F3), and one count of Recklessly Endangering Another Person (M2).

On August 31, 2021, James Bryan Maloney was arrested in Montgomery County. According to the criminal complaint, on October 13, 2020, Progressive Insurance Company cancelled its coverage of Maloney’s 2018 Dodge Ram pickup truck after Maloney failed to pay the policy premium.  On November 11, Maloney allegedly was operating his uninsured Dodge Ram in Horsham, PA when the truck struck the rear of a van owned by Rent-A-Center (RAC). The complaint stated that the driver of the RAC van reported the accident to 911 at 12:09 PM and a Horsham Township Police Officer was dispatched to the scene. The complaint further stated that at 12:15 PM, Maloney placed a telephone call to Progressive and reinstated his cancelled policy. During the reinstatement process, Maloney allegedly told the insurer that his truck had not been involved in any accidents and had not been damaged during the policy lapse period. When a police officer arrived at the accident scene, Maloney allegedly showed the officer his Progressive insurance card. On January 13, 2021, RAC filed a claim with Progressive for the damage to the company’s van.  While investigating the accident, Progressive allegedly discovered that the crash had occurred before Maloney reinstated his coverage. The claim was denied by Progressive. Maloney was charged with one count of Insurance Fraud (F3), one count of Criminal Use of Communication Facility (F3), one count of Theft by Deception (F3), and one count of Insurance Fraud (M1).

On August 31, 2021, Maribel Rocha was arrested in Franklin County.  According to the criminal complaint, on July 24, 2020, at 3:47 PM, Rocha purchased a renter’s insurance policy from the Auto-Owners Insurance Company.  On July, 28, 2020, Rocha allegedly filed a claim with the insurer and reported that a July 26, 2020 lightning strike damaged her television, dryer, air conditioning unit and XBOX gaming system. The complaint stated that an investigation by the insurer revealed that the lightning strike occurred before Rocha purchased the renter’s policy. The claim was denied by Auto-Owners Insurance Company. Rocha was charged with one count of Insurance Fraud (F3), one count of Criminal Attempt/Theft by Deception (F3), and one count of Insurance Fraud (M1).

On August 23, 2021, Cory Stum was arrested in Montgomery County.  According to the criminal complaint, at approximately 1:56 PM on April 25, 2019, Stum called Good 2 Go/Omni and asked to reinstate his lapsed automobile policy.  The complaint stated that during the call, Stum told the insurer that his vehicle had not been involved in any accidents since his previous coverage ended on March 25, 2019, and that the vehicle had no unrepaired damage. Later that same afternoon, Stum allegedly contacted the insurer and reported that his vehicle had been involved in an accident with a CAT bus in Dauphin County between 3:50 PM and 4:50 PM. On May 3, 2019, an insurance adjuster received an email from the Safety and Risk Officer for CAT, which allegedly stated that a CAT bus was involved in an accident at 11:45 AM on April 25. According to the complaint, during a subsequent interview with the insurance adjuster, Stum asserted that the accident occurred at approximately 3:50 PM or 4:50 PM, after he reinstated his policy. The complaint further stated that the adjuster reviewed the police crash report, which stated that the accident occurred at 11:49 AM and that Stum’s vehicle was towed from the scene. Good 2 Go/Omni did not pay the claim which was valued at $21,311.00. Stum was charged with one count of Insurance Fraud (F3), one count of Criminal Attempt/Theft by Deception (F3), and one count of Criminal Use of a Communication Facility (F3).

On August 19, 2021, Richard Castagna was arrested in Bucks County.  According to the criminal complaint, Castagna was the owner of Bristol Penn Jersey Auto, Inc. On February 28, 2020, Castagna allegedly reported a workers’ compensation claim to ECM Insurance, and advised that one of his employees was injured on the job on January 24, 2020. The injured employee allegedly testified during a workers’ compensation deposition that Castagna paid him $900 per week in cash, and that he had worked for the company for 12 years. On August 12, 2020, EMC Insurance conducted a recorded interview of Castagna, during which he allegedly admitted that he had paid this employee in cash and never provided any wage information about the employee to his accountant for workers’ compensation premium audit purposes. According to the complaint, Castagna misrepresented his payroll and employee information each year to the insurer during the premium audit, which resulted in the underpayment of workers’ compensation premiums to ECM from approximately 2008 to 2020.       The insurer was required to pay $82,899.33 in workers’ compensation benefits to the injured employee. Castagna was charged with two counts of Workers Compensation Fraud (F3), one count of Theft by Deception (F3), and one count of Insurance Fraud (F3).

On August 17, 2021, Christopher Ryan was arrested in Beaver County.  According to the criminal complaint, Ryan, through his agency Clear Horizons Financial Group, used the identifying information of several of his friends to complete life insurance policy applications on their behalf, with their knowledge or consent. Ryan allegedly submitted those applications to Mutual of Omaha Insurance Company. According to the complaint, Ryan subsequently told his friends what he had done and informed them that the policies would be cancelled without payment. However, the complaint further stated that in one instance, a policy was set up to automatically withdraw the premium payment from the “applicant’s” bank account. According to the complaint, when the funds were withdrawn, the account owner filed a complaint against Ryan with the Pennsylvania Department of Insurance. During an investigation, Ryan allegedly admitted that he had submitted applications to the insurer without the knowledge or consent of the purported applicants. Ryan was charged with one count of Insurance Fraud (F3), two counts of Forgery (F3), one count of Identity Theft (F3), and one count of Insurance Fraud (M1).

On August 11, 2021, John and Nathaniel Eastman were arrested in Beaver County.  According to the criminal complaint, on December 17, 2020, John Eastman added Nathaniel’s Chevy Malibu to his USAA Insurance policy. On January 20, 2021, John contacted USAA Insurance and allegedly added comprehensive and collision coverage for the Malibu.  The complaint stated that five days later, John Eastman contacted the insurer and reported that his son had been driving the Malibu on January 23 or 24, when he swerved to avoid a deer and the car went into a ditch. Nathaniel allegedly told the insurer that the crash occurred after the additional coverage was in place. However, the complaint further stated that an investigator obtained a copy of the tow records which revealed that the accident occurred before the comprehensive and collision coverage was added to the policy. John and Nathaniel Eastman allegedly acknowledged that they had agreed to misrepresent the date of the accident in an effort to get coverage for the loss from USAA. John Eastman and Nathaniel Eastman were each charged with one count of Insurance Fraud (F3), one count of Criminal Attempt/Theft by Deception (F3), and one count of Conspiracy (F3).

On August 11, 2021, Darlene Johnston was arrested in Lawrence County.  According to the criminal complaint, on November 22, 2019, Johnston filed a claim with State Farm Insurance for damage to the front end of her 2014 Buick Enclave. The vehicle was inspected and an estimate and photos of the damage were provided to State Farm.  The insurer issued a check to Johnston in the amount of $3,814.40. The complaint further stated that on December 8, 2020, Johnston filed a new claim with State Farm, wherein she reported that her Enclave incurred front end damage from a deer strike which occurred on November 19.  A different body shop conducted the inspection and provided photos and a written estimate of the damage to State Farm. According to the complaint, the insurer compared the photographs and estimates from both claims and determined that the damage was identical.  Johnston’s second claim was denied.  Johnston was charged with one count of Insurance Fraud (F3) and one count of Criminal Attempt/Theft by Deception (F3).

On August 10, 2021, William Holmes and Tina Rao were arrested in Lawrence County.  According to the criminal complaint, on February 10, 2021, at approximately 9:00 PM, Holmes crashed the pickup truck he was driving into a tree. The vehicle was towed from the scene.  The complaint stated that the vehicle was insured under Rao’s Nationwide policy, however Holmes was listed on the policy as an excluded driver. On February 11, Rao allegedly filed a claim for the accident with Nationwide and reported that she had been driving the truck when the accident occurred. According to the complaint, Holmes confirmed Rao’s statement to Nationwide. Investigators spoke to the driver of the tow truck, who allegedly advised that Holmes was the only person present at the crash scene and said that he was the driver. During a subsequent interview, Holmes and Rao allegedly admitted that Holmes was driving when the crash occurred. Nationwide denied the claim. Williams and Rao were each charged with two counts of Insurance Fraud (F3) and one count of Criminal Attempt/Theft by Deception (F3).

On August 10, 2021, Amir Seawright was arrested in Philadelphia County.  According to the criminal complaint, on December 25, 2020 at 2:08 PM, Seawright purchased a Progressive Insurance policy via the internet for his 2016 Chevrolet Cruze.  At 12:05 PM on December 28, 2020, Seawright allegedly contacted Progressive and reported that a tree had fallen on his Cruze sometime during the night of December 27. Seawright allegedly submitted photos of the damage to Progressive in support of his claim.  However, according to the complaint, the photo metadata revealed that the pictures were taken at 10:01 AM on December 25, 2020, which was several hours before Seawright obtained coverage for his Chevy Cruze. The claim was denied. Seawright was charged with one count of Insurance Fraud (F3), one count of Criminal Attempt/Theft by Deception (F3), and one count of Criminal Use of a Communication Facility (F3).      

On August 9, 2021, Jason Cowan was arrested in Westmoreland County.  According to the criminal complaint, at 2:32 PM on November 4, 2020, Cowan purchased an automobile insurance policy from Progressive Insurance which included comprehensive and collision coverage. The complaint further stated that on November 23, Donegal Insurance contacted Progressive and reported that Donegal’s insured Robert Irwin filed a claim for a collision that occurred at approximately 2 PM on November 4. According to the complaint, Irwin stated that as he was driving on Route 981, Cowan’s Honda Pilot crossed the double yellow lines from the opposite direction which resulted in damage to the driver’s side of both vehicles. According to the complaint, Irwin told Donegal that Cowan had an expired Penn National Insurance card at the time of the crash.  Donegal subsequently located Cowan’s new Progressive Insurance policy and filed a claim.  During a recorded interview with Progressive, Cowan allegedly stated that the accident occurred on the day that he switched his policy to Progressive. Cowan allegedly maintained that he was unsure as to which driver was at fault, because he had been driving on his side of the roadway. Cowan allegedly stated that he was unsure of the time of the accident, but thought that it occurred sometime between 2:00 PM and 4:00 PM. According to the complaint, Cowan was adamant that he purchased his Progressive policy prior to the accident. Progressive denied the claim. Cowan was charged with one count of Insurance Fraud (F3), one count of Criminal Attempt/Theft by Deception (F3), and one count of Insurance Fraud (M1).

On August 5, 2021, Clayton Shemela was arrested in Allegheny County.  According to the criminal complaint, on August 12, 2020, State Farm Insurance issued a $1,551.07 check to Shemela as payment for a vehicle accident claim.  Shemela subsequently contacted State Farm and allegedly asked the insurer to stop payment on the check and to deposit the funds directly into his checking account. State Farm did so. However, according to the complaint, Shemela contacted State Farm several days later and claimed that the funds had not been deposited into his bank account as requested. Shemela allegedly asked State Farm to lift the stop payment on the paper check, so that Shemela could cash it. The complaint stated that State Farm advised Shemela that the funds had been transferred to his bank account. The insurer allegedly agreed to lift the stop payment on the paper check, but with the understanding that the direct deposit made to Shemela’s account would be reversed and the money would be returned to State Farm. According to the complaint, Shemela cashed the paper check on August 20, 2020. However, the complaint further stated that State Farm’s attempt to reverse the direct deposit was unsuccessful, because Shemela’s account had insufficient funds. According to the complaint, Shemela’s bank records revealed that the day after State Farm directly deposited the funds into Shemela’s account, a debit purchase in the amount of $1,540.91 was made from the account to Baierl Honda. State Farm allegedly attempted to recover the funds a second time without success.  According to the complaint, Shemela received two payments of $1,551.07 from State Farm for the same claim. Shemela was charged with one count of Insurance Fraud (F3) and one count of Theft by Deception (M1).

On August 2, 2021, Dennis Pursel, Jr. was arrested in Schuylkill County.  According to the criminal complaint, on September 25, 2020, Pursel purchased a liability only automobile insurance policy from Progressive Insurance Company.  On October 27, Pursel allegedly asked Progressive to add comprehensive and collision   coverage to his insured Pontiac G2 Coupe and Ford F-150.  The additional coverage was scheduled to take effect on November 1, 2020.  According to the complaint, on November 12, at 3:21 PM, Pursel filed a claim with Progressive and stated that his F-150 pickup struck a deer at 7:25 PM on November 10 and damaged the left front bumper.  Pursel allegedly submitted photos of the damage to Progressive in support of his claim.  The complaint stated that upon reviewing the photo metadata, investigators learned that the pictures were taken on October 25, before Pursel added comprehensive coverage to the policy. According to the complaint, Pursel subsequently admitted that the accident occurred before the coverage was added. Progressive denied the claim. Pursel was charged with one count of Insurance Fraud (F3), one count of Criminal Attempt/Theft by Deception (F3), and one count of Insurance Fraud (M1).

On August 3, 2021, Johanne Piaubert was arrested in Philadelphia County.  According to the criminal complaint, Piaubert submitted two fraudulent automobile damage claims to New Jersey Manufacturers Insurance Co. The complaint stated that on May 29, 2019, New Jersey Manufacturers cancelled Piaubert’s policy for non-payment. On the following day, Piaubert’s uninsured vehicle allegedly was involved in an accident in New York City.  According to the complaint, Piaubert called the insurer several days later and asked to reinstate her policy. After Piaubert allegedly told the insurer that her vehicle had not been involved in any accidents during the policy lapse, New Jersey Manufacturers reinstated the coverage. According to the complaint, Piaubert retained an attorney to file a claim on her behalf in connection with the New York accident. Piaubert allegedly submitted written claim forms which indicated that she had been driving when the crash occurred. The complaint further stated that Piaubert sought medical treatment in connection with injuries that she purportedly suffered as a result of the accident. According to the complaint, the medical provider submitted bills to the insurer for the cost of Piaubert’s treatment, which totaled approximately $12,000. Months later, New Jersey Manufacturers informed Piaubert that her policy would be cancelled because she allegedly lied about the accident in order to have her policy reinstated. According to the complaint, Piaubert then denied making a claim in connection with the New York accident, denied knowing that an attorney had made a claim on her behalf, and claimed that damage occurred while her car was parked. However, the complaint further stated that according to the New York City police accident report, Piaubert was driving her car when the accident occurred and claimed to have been insured by New Jersey Manufacturers at the time of the loss. The insurer denied payment of the claim. According to the complaint, on December 17, 2019, Piaubert submitted another claim to New Jersey Manufacturers Insurance. In this one, she allegedly reported that another of her vehicles was stolen while it was parked outside of her home on December 10, 2019. However, according to the complaint, the car had been abandoned several weeks earlier at a location several miles from Piaubert’s home. An investigation allegedly revealed that Philadelphia Police notified Piaubert in November 2019 that she would have to remove the car. According to the complaint, no action was taken and police eventually had the car towed away on December 12, 2019. The insurer denied Piaubert’s claim. Piaubert was charged with two counts of Insurance Fraud (F3), two counts of Criminal Attempt/Theft by Deception (F3), and two counts of Criminal Use of Communication Facility (F3).

On August 2, 2021, Lenielle Martin was arrested in Delaware County.  According to the criminal complaint, Martin’s Progressive Insurance Company policy lapsed on July 6, 2020, after she failed to pay the premium.   On July 22, 2020 at 1:25 PM, Martin called the insurer and allegedly requested reinstatement of her coverage. During the call, Martin allegedly maintained that none of the vehicles covered by the policy were involved in accidents during the lapse period. At approximately 9:35 AM on the following day, Martin allegedly reported to Progressive that her vehicle was involved in an accident which occurred approximately one hour after the coverage was reinstated. During a recorded interview, Martin allegedly told Progressive that she was unaware that her policy had been cancelled on July 6, 2020.  According to the complaint, Martin also maintained that the accident occurred one hour after her coverage was reinstated. According to the complaint, on July 24, 2021, Martin phoned Progressive and admitted to the investigator that she reinstated her policy at the scene of the accident.  Progressive denied the claim. Martin was charged with one count of Insurance Fraud (F3), one count of Theft by Deception (F3), and one count of Criminal Use of a Communication Facility (F3).

On August 27, 2021, Phillip Weaver was sentenced in Lancaster County after entering into a negotiated plea to one count of Insurance Fraud (F3), and one count of Forgery (F3). Weaver was a licensed insurance producer who operated the Weaver Group Insurance, LLC, in New Holland. The Pennsylvania Insurance Department revoked Weaver’s insurance producer’s license on November 1, 2018. On April 24, 2019, the Department received information that Weaver was conducting insurance business without a license. On April 29, the Insurance Department received an Insurance Producer and Title Agency renewal form on behalf of Weaver Group Insurance, LLC. The form purportedly was signed by one of Weaver’s former coworkers at the agency. During May and June of 2019, several homeowner policy applications and amended policy declarations were submitted to the Farms Fire Insurance Company on behalf of Weaver Group customers. Weaver’s former coworker was listed as the producer on each document. The Insurance Department conducted a records check and found that the Weaver Group Insurance LLC had an inactive license which expired on March 31, 2019.  The Department conducted an investigation and on July 9, investigators paid a surprise visit to the agency’s office in New Holland. Weaver initially denied conducting insurance business, but subsequently admitted to investigators that he has been maintaining insurance for his current customers and had worked on two new policies. Weaver provided the investigator with paperwork from those policies and indicated that his former coworker had produced and signed the policies. On July 31, the investigator interviewed Weaver’s former coworker by telephone. The coworker stated that she had worked at the Weaver Group previously, but had not conducted insurance business since 2016. She told the investigator that she did not realize that her license was being used to conduct new business and she denied signing or submitting any insurance paperwork. Further investigation revealed that Weaver had been servicing the customers and writing the policies in question. Weaver was ordered to serve a term of 9 to 23 months. Weaver was ordered to serve the first 9 months under house arrest, followed by three years of probation.

On August 17, 2021, Peter DiPippa was sentenced in Schuylkill County after entering a negotiated plea to one count of Insurance Fraud (F3) and one count of Theft by Failure to Make Required Disposition of Funds Received (F3).  DiPippa was a licensed insurance broker at DiPippa Insurance Financial, LLC. In February 2015, one of his clients liquidated an annuity and subsequently received a check in the amount of $56,769.95 from American National Insurance Company. The client endorsed the check and gave it to DiPippa with the understanding that the broker would reinvest the funds in another annuity.  An investigation revealed that DiPippa instead deposited the funds into an account he used for business and personal transactions, and then utilized the money for his own benefit. DiPippa was sentenced to serve a term of 4 to 23 months of incarceration, followed by a consecutive period of two years of probation. He was ordered to pay   $45,144.00 in restitution.

On August 4, 2021, Douglas Krimes was sentenced in Lebanon County after entering a guilty plea on May 26, 2021, to one count of Insurance Fraud (F3), one count of Criminal Attempt/Theft by Deception (F3), and one count of False Reports to Law Enforcement (M3). On March 20, 2019, at 9:01 PM, Pennsylvania State Police were dispatched to Krimes Industrial and Mechanical Incorporated for a reported criminal mischief and burglary incident. Krimes reported that when he left the building at approximately 8:43 PM that evening, he observed two males walking toward the business. Krimes indicated that the situation appeared to be suspicious and after thinking about it, he returned to the building. During their investigation, State Police observed no sign of forced entry at the business, but found that seven of the business’s machinery computers, control screens and mechanical parts in the warehouse had been damaged. State Police noted that the damage appeared to have been caused by a blunt force object. The police found no damage to the office computers or office equipment. On March 21, 2019, Krimes contacted his local Unruh Insurance agent and reported that his business had been vandalized the previous evening. Unruh Insurance then initiated the claims process with Erie Insurance. A few hours later, Krimes provided a recorded statement to Erie and indicated that a significant amount of repairs to his equipment would be needed. The total amount of damage was estimated at $261,853.13. In a subsequent interview with a forensic consulting business, Krimes indicated that he left the building at 10:00 PM on the night of the incident, then drove approximately 5 miles before returning to the building. In another interview with Erie Insurance, Krimes indicated that he left the business at 9:45 PM, drove for approximately 15 minutes towards home, then phoned his spouse to tell her that he was going back to the building because he had seen two suspicious persons. A subsequent investigation of Krimes’ telephone records revealed that Krimes never left the general area of his business that evening. Further, a review of the company records showed that the business had experienced significant losses in revenue during the previous years and that the company was close to failing. Krimes ultimately withdrew his claim after Erie asked him to undergo an Examination Under Oath. Krimes was sentenced to serve concurrent terms of 12 to 23 months of probation.  He was further ordered to pay a $200 fine and all costs.  Krimes was ordered to perform 20 hours of community service if he becomes unemployed during his term of probation.

On August 4, 2021, Sharon Powell was sentenced in Westmoreland County after entering a negotiated plea to one count of Insurance (F3) and to one   count of Forgery (M1). On August 10, 2020, Powell contacted Maxim Crane and reported that her Winnebago was struck by one of the company’s vehicles earlier that day. Maxim Crane denied that the accident had occurred, but reported the call to its carrier, Zurich Insurance. Powell claimed to have taken the Winnebago to KRV Repair and provided Zurich with an estimate in the amount of $6,039.88. Powell claimed that she had used her credit card to pay the repair bill. During an investigation of her claim, Powell provided an investigator with a purported witness statement and a police accident report.  An investigation revealed that the estimate, witness statement and police report were all fraudulent. Powell was ordered to serve three years of probation and to pay all costs.

On August 3, 2021, Bryan Rutter was sentenced in Crawford County after entering into a negotiated plea to one count of Criminal Attempt/Theft by Deception (M1). On February 15, 2019, Rutter added comprehensive and collision coverage to the GEICO vehicle policy covering his 2005 Toyota Camry. On March 4, 2019, Rutter filed a claim with the insurer and reported that his Camry had been vandalized on March 2. Investigators obtained a copy of a vandalism report which Rutter had filed with local police on February 7, 2019, several days before he added comprehensive and collision coverage to his policy. When GEICO questioned Rutter about filing the February 7^th police report, Rutter claimed that his car had been vandalized on two separate occasions. However, Rutter was unable to produce evidence of the second purported incident. Rutter was ordered to serve 12 months of probation, perform 100 hours of community service and pay all costs.

Pennsylvania Bulletin Notice 2016-04 (issued April 30, 2016) reminded insurers of their obligations to report suspected arson or insurance fraud to law enforcement agencies within the Commonwealth.  The bulletin also announced a decision by the Pennsylvania Department of Insurance to allow licensees to satisfy their reporting obligation when they electronically submit reports of suspected fraud to the National Insurance Crime Bureau (NICB).

 

On July 6, 2017, Pennsylvania began participating in this online service which enables member companies to electronically forward reports of suspected fraud to the Pennsylvania Office of Attorney General’s Insurance Fraud Section or other appropriate law enforcement agencies at the same time the companies report suspicious claims to the NICB. NOTE: The NICB is not a law enforcement agency. Therefore, a licensee cannot satisfy the fraud reporting requirement by submitting a non-electronic (paper) referral only to the NICB.

 

Important: When utilizing electronic filing through NICB, users should take careful note of the provided instructions regarding the “Party” to a claim.  Information entered about a Party will only be transmitted to law enforcement if users select one of two options: “This Party was subject to an SIU investigation” or “This Party was subject to an enforcement action.”  Some users have missed this notation about individual Party data and consequently have submitted incomplete information to law enforcement.