New amendments signed into law in August 2003 provide greater protec- tion to people who invest their hard-earned money and, all too often, find they are victims of unscrupulous amendments target indi- viduals who use false financial statements to induce people to invest their money. They also make it a violation for employees of brokers and advisers to engage in unethical behavior and to fail to maintain records and docu- ments required by law. In addition, the amendments allow the appointment of special agents to exercise police powers against those committing finan- cial crimes, and also strengthen the chances of returning investor assets to defrauded investors by including.