If you search "Rosland Capital lawsuit," you're doing smart due diligence. Yes, Rosland Capital has had regulatory issues—specifically a settlement with the CFTC. Here's what you need to know.
The Short Version
Rosland Capital settled with the CFTC over allegations they misled customers about coin values and markups. They paid a fine and made compliance changes. They continue operating today with an A+ BBB rating, but their history of pushing high-markup numismatic coins remains a concern.
The CFTC Settlement Explained
The CFTC (Commodity Futures Trading Commission) is the federal agency that regulates precious metals dealers. In their action against Rosland Capital, the key allegations were:
- Misleading value claims: Sales reps allegedly told customers that certain coins would appreciate significantly, without adequate basis for those claims
- Undisclosed markups: Customers weren't always clearly informed about how much they were paying above the actual metal value
- High-pressure tactics: Some sales practices were deemed inappropriate
Rosland Capital settled the case by paying a fine and agreeing to improve their compliance and disclosure practices. Importantly, they did not admit wrongdoing—which is standard in settlements—but they did make changes.
What This Means in Plain English
Let me translate the legal language: The CFTC was concerned that Rosland Capital was selling coins—particularly numismatic or "collectible" coins—at prices much higher than their actual metal value, without making that crystal clear to customers.
When you buy a numismatic coin at, say, 40% over the spot price of gold, and then try to sell it, you might only get the spot price back. That's a 40% instant loss. The CFTC wants companies to be very clear about this upfront.
This issue isn't unique to Rosland Capital—it's a problem across the Gold IRA industry. But Rosland is one of the companies that got called out for it.
Is Rosland Capital Safe Today?
Current Status
Rosland Capital continues to operate and maintains an A+ BBB rating. This suggests they've improved their practices since the settlement. However, customer reviews still mention concerns about markups on numismatic products.
The regulatory settlement doesn't mean Rosland Capital is a scam or that they'll steal your money. It means they had compliance issues that they've addressed. Many legitimate companies have faced regulatory actions and cleaned up their practices.
That said, their business model still appears to emphasize numismatic coins, which carry higher margins for the company. If you work with them, you need to be proactive about what you buy.
How to Protect Yourself
If you're considering Rosland Capital despite their history, here's how to protect yourself:
- Only buy standard bullion: American Gold Eagles, Canadian Maple Leafs, or gold/silver bars. Avoid "exclusive," "proof," or "collectible" coins.
- Get the spread in writing: Before you buy, ask: "What is the premium above spot price, and what would you pay me if I sold this back tomorrow?"
- Don't succumb to urgency: If a sales rep says "this deal expires today," it's a tactic. Take your time.
- Compare prices: Get quotes from multiple companies before committing.
Or, consider companies with cleaner regulatory histories. Augusta Precious Metals has zero BBB complaints and focuses on education over sales. Goldco and Birch Gold also have strong reputations.
Bottom Line
Rosland Capital's regulatory history is a yellow flag, not necessarily a red one. They settled with the CFTC, made changes, and continue operating. But their core business model—pushing numismatic coins with high markups—hasn't fundamentally changed.
For most investors looking for a straightforward Gold IRA, there are better options. But if you're drawn to Rosland's brand recognition and low minimums, just be informed and insist on standard bullion.
For our full company assessment, see our Rosland Capital Review.