MMOL Database

Make money online, checked

Look it up before you pay for it.

Coaching programs, done-for-you stores, MLMs and trading courses. The red flags regulators warn about, how to check a program yourself, real government cases, and how to get your money back.

Check a program See the cases

What are you being offered?

If you already paid

FTC refunds are never paid for

The FTC never charges upfront fees or asks for sensitive information like your Social Security or bank account number to send a refund. Anyone claiming to be the FTC and asking for money is a scammer.

Source: FTC, Refund Programs: Frequently Asked Questions

How to try to get your money back

Status, September 2026

No final FTC earnings claim rule yet

The FTC announced proposed rules for business coaching and MLM earnings claims in January 2025, but they were never published in the Federal Register. The Business Opportunity Rule and the FTC’s enforcement cases still apply. Where it stands

The newest cases in the database

Allegations are what an agency claimed in court or in an administrative case, not findings. Where a court or commissioner made a finding or entered an order, the case says so. The list isn’t complete: a program that isn’t here hasn’t been cleared.

  • FTCJuly 2026

    Final orderCoaching and courses

    Named in the source

    Publishing.com LLC, CEO Christian Mikkelsen, and Chief Product Officer Rasmus Mikkelsen

    What the source says

    The FTC alleged Publishing.com claimed its self-publishing courses and coaching would help people earn substantial income from e-books and audiobooks, when most buyers never earned what was promised, and that people seeking refunds under its 'no questions asked' guarantee hit many added conditions. The FTC's final order requires a $1.5 million payment and bars earnings claims that are misleading or lack a reasonable basis.

    Source: the official FTC page

  • FTC and State AG (Nevada)May 2026

    Settlement announcedTrading education

    Named in the source

    IM Mastery Academy (most recently operating as IYOVIA, and also as iMarketsLive and IM Academy); the settling defendants are five individual and corporate defendants including Chris and Isis Terry

    What the source says

    The FTC and the Nevada Attorney General alleged the scheme used false or baseless earnings claims to sell training on investing in financial markets and a related MLM business venture, generating more than $1.2 billion since 2018. A proposed order imposes a $795.8 million judgment, mostly suspended after asset transfers, and bans the defendants from selling trading training and investment opportunities.

    Money back

    In a June 2026 business blog post, the FTC said it intends to use the turned-over assets, plus $13 million from an earlier settlement in the case, for consumer refunds.

    Source: the official FTC and State AG page

  • FTCApril 2026

    Settlement announcedMLM

    Named in the source

    Forever Living Products International LLC, its CEO Gregg Maughan, its President Aidan O'Hare, and Forever Living.com LLC

    What the source says

    The FTC alleged the MLM used deceptive earnings claims to recruit participants, most of whom made no money or lost money. Under a proposed order settling the allegations, the company and its two executives must be able to back up any earnings claim and can't misrepresent what participants earn.

    Source: the official FTC page

See all 15 cases