Hans Albert Ramsey (CRD #4142857) Has Financial and Judgment/Lien Disclosures on FINRA BrokerCheck

Hans Albert Ramsey (CRD #4142857) is a broker with disclosures on FINRA BrokerCheck. We reviewed his BrokerCheck report on April 11, 2026. It reflects two pending financial disclosures and one judgment/lien disclosure. If you invested with Hans Ramsey and have concerns, keep reading.

BrokerCheck link: BrokerCheck

BrokerCheck report: BrokerCheck Report (PDF)

Financial Disclosures

Hans Ramsey’s FINRA BrokerCheck Report reflects two pending financial disclosures. Summaries of those disclosures are below:

According to Hans Ramsey’s FINRA BrokerCheck report, on August 14, 2025, he reported a pending compromise with Capital One – 6635. BrokerCheck lists an original amount owed of $3,606.00 and states the terms reached with the creditor were an agreed settlement of $1,991.18.

Hans Ramsey’s FINRA BrokerCheck report also shows a pending compromise dated July 30, 2025, involving JPMorgan Chase – 2555. FINRA BrokerCheck lists an original amount owed of $3,071.51 and says the matter was agreed to settle for $1,997.00.

Judgment / Lien

Hans Ramsey’s FINRA BrokerCheck Report reflects one judgment/lien disclosure. A summary of the disclosure is below:

On February 25, 2026, Hans Ramsey’s FINRA BrokerCheck report states a civil judgment was filed in the District Court for Baltimore County. FINRA BrokerCheck lists American Express National Bank as the holder, an amount of $8,318.35, and the matter as outstanding.

Rule Summary #1: FINRA Rule 1010 (Electronic Filing Requirements for Uniform Forms)

FINRA Rule 1010 governs how Form U4 filings and disclosure amendments are submitted and retained. Financial compromises and judgment disclosures highlight why firms need timely filing processes when reportable events arise.

Rule Summary #2: FINRA Rule 1122 (Filing of Misleading Information as to Membership or Registration)

FINRA Rule 1122 bars incomplete or inaccurate registration filings that could mislead FINRA. Disclosures involving pending compromises or civil judgments underscore the need for accurate updates once a broker learns of the event.

Why This Matters to Investors (Regulation Best Interest)

Regulation Best Interest (Reg BI) is a U.S. securities regulation. It strengthens the standard of conduct that broker-dealers owe to retail investors. It applies when they recommend securities transactions or investment strategies. The U.S. Securities and Exchange Commission adopted Reg BI. It became effective on June 30, 2020. Reg BI aims to protect investors while preserving access to brokerage products and services.

Reg BI requires broker-dealers and financial advisors to act in a retail customer’s best interest at the time of a recommendation. They must not place their own financial or other interests ahead of the customer’s. This standard is higher than the older “suitability” rule. Suitability meant a recommendation only had to be appropriate. It did not have to be the best option or free of conflicts.

Reg BI has four key obligations:

Disclosure Obligation – Broker-dealers must disclose material facts about the relationship and the recommendation. This includes fees, the scope of services, and conflicts of interest.

Care Obligation – Broker-dealers must use reasonable diligence, care, and skill. They must consider costs, risks, and alternatives when making a recommendation.

Conflict of Interest Obligation – Firms must identify conflicts of interest. They must disclose them and mitigate or eliminate them. This includes conflicts that create incentives to favor one product over another.

Compliance Obligation – Firms must maintain policies and procedures. Those policies should be designed to ensure compliance with Reg BI as a whole.

Reg BI applies to each recommendation. It is not a continuous duty like the fiduciary standard for registered investment advisers. Even so, it narrows the gap. It puts more focus on costs, conflicts, and investor-focused decision-making.

Overall, Regulation Best Interest promotes transparency. It also aims to improve the quality of investment recommendations. It is designed to reinforce trust between retail investors and broker-dealers in the U.S. securities markets.

Background Information (from BrokerCheck)

Based on His FINRA BrokerCheck report, Hans Ramsey:

Is currently registered with PFS Investments Inc. and Primerica Advisors.

Has passed the Securities Industry Essentials (SIE) exam. Hans Ramsey has also passed Series 6 and Series 63.

BrokerCheck does not list any previous securities firm registrations.

Kurta Law Can Help

If you have worked with Hans Ramsey and you have concerns about his activity, Kurta Law may be able to help you evaluate your legal options. To speak with Kurta Law, call 877-600-0098 or email info@kurtalawfirm.com.

Helpful resources: Securities Attorney | Security Fraud

For nearly 20 years, Kurta Law has advocated for investors and helped hold financial professionals accountable. Our firm represents clients nationwide in securities arbitration and related disputes. If you believe a broker or firm mishandled your account, an attorney can review the facts and explain possible next steps.