Is LOM a scam?
Wikilix independent safety report
No. LOM (LOM Financial Limited) is not a scam, and we found no evidence of fraud. It is a 30 year old, publicly listed Bermuda financial group that is genuinely regulated in Bermuda, the Bahamas and…
Risk scorecard · each area scored 0 (clean) to 10 (worst)
Broker Summary
What Wikilix has recorded about LOM: its history, the licences it holds, its trading conditions and its fees.
LOM Broker Overview
LOM is the trading name of LOM Financial Limited, a Bermuda company that has been on the Bermuda companies register since May 1996 and remains active there today. The firm is based at The LOM Building, 27 Reid Street, in Hamilton, and presents itself online through the domain lom.com. Its corporate identity is unusually well documented for this sector: the company number, the date of creation and the registered office are all confirmable on official records, and the group includes a second Bermuda company registered since 1992.
What is not documented is the regulatory permission under which LOM would take on a trading client, or the commercial terms it offers. Neither a licence nor a published set of trading conditions could be confirmed for this profile.
LOM Regulation and License
No financial services licence for LOM could be confirmed. This research found no licence number, no named supervising authority and no regulatory permission attributable to LOM Financial Limited or to any related entity. On the classification WIKILIX applies, LOM sits at no confirmed regulation. That is a stronger statement than a licence claimed but unverified, because here there is no licence claim on record to test in the first place.
Readers should note what this does and does not mean. It does not mean a licence has been checked and found to be false. It means that nothing establishing a supervising authority for this firm could be confirmed, and a prospective client therefore has no identified regulator to turn to.
Is LOM Regulated?
No confirmed regulation was found for LOM. A reader deciding whether to deposit funds should treat the firm as unregulated until it produces a licence number and an authority that can be checked directly. The company's documented corporate standing is not a substitute: company registration confirms that a company legally exists, while financial regulation confirms that an authority supervises how it handles client money. The first is established here and the second is not.
LOM Financial Limited
LOM Financial Limited is the legal company behind the LOM name. It is registered with the Registrar of Companies in Bermuda under company number 21896, was created on 9 May 1996, is recorded as a Local Company Limited by Shares, and its status is active. It was previously named LOM (Holding) Limited. Its registered and head office address is The LOM Building, 27 Reid Street, Hamilton HM 11, Bermuda, and the published number for that office is +1 441 292 5000.
The group also contains Global Custody and Clearing Limited, Bermuda company number 17893, created on 31 December 1992 and also active, which official records show as the direct and ultimate subsidiary of LOM Financial Limited. Which of these companies would hold a client account, and on what terms, is not established.
Is LOM Safe?
LOM cannot be called safe on the available evidence, and neither can it be called fraudulent. The company behind the brand is real, long established and verifiable on official records, which rules out the most common pattern of an anonymous operator standing behind a new name. Against that, the protections a client would actually rely on, meaning a supervising authority with the power to act on a complaint and a stated commitment on how client money is held, could not be confirmed to exist.
Corporate longevity is not client protection. A company can be thirty years old, properly registered and entirely solvent, and a client with a disputed withdrawal can still find there is no regulator to complain to.
LOM Review and Assessment
LOM presents an uncommon combination: a strongly evidenced corporate identity alongside an unevidenced regulatory position. The practical consequence for a reader is that the usual first question, whether a real and traceable company stands behind the brand, is answered well here, while the question that decides whether money is recoverable is not answered at all.
Anyone considering an account should establish directly with the firm, in writing, which entity would hold the account, which authority licenses that entity and under which number, and how client funds are segregated from company funds. Until those three points are answered, the documented age of the company is not a reason to treat a deposit as protected.
Website snapshots
10 full-page captures of LOM's own site, archived so what they said can still be read after the pages change.
Regulatory Licenses
Every licence LOM has in force is from an offshore regulator. Most carry no compensation scheme — each row below says what the issuing regulator actually requires.
- Licences on record
- 3
- Confirmed on register
- 3
- Tier 1 or 2
- 0
- Offshore
- 3
How far our check got
- 3 confirmed on a register
BMATier 3OffshoreBermudaConfirmed on registerChecked
What the register says
- Register status
- Active
- Effective
- Jan 30, 2004
- Expires
- No expiry shown
What our check found
A full investment business licence from Bermuda main financial regulator, held by LOM Financial (Bermuda) Limited, LOM Asset Management Limited and Global Custody and Clearing Limited (the last authorised to hold client assets). Client protection: Reputable offshore regulator, but no statutory retail compensation scheme.. Effective: 30 Jan 2004.
Register screenshot, captured Sep 17, 2026 Client protection under this licence
- No compensation scheme
- Complaints routeBMA Complaints FSC Complaints
- Maximum leverage1:496
These are the rules BMA sets for the firms it licenses. They are not a statement about how LOM applies them, or about which of its companies would hold your account.
About The Bermuda Monetary Authority
Offshore regulatorGovernment bodyNo compensation schemePublic registerTransparency: medium- Licences this authority issues
- Investment Business Licence
- Typical cost of this licence
- USD 30000-50000
SCBTier 3OffshoreBahamasNo. AP-59223Confirmed on registerChecked
What the register says
- Licence number
- AP-59223
- Register status
- Active
What our check found
A securities dealer registration under the Bahamas Securities Industry Act, allowing LOM Financial (Bahamas) Limited to deal in capital market instruments as agent or principal. Client protection: Legitimate offshore securities regulator, lower tier for retail protection..
Client protection under this licence
- No compensation scheme
- Client money kept separate
- Negative balance protection
- Complaints routeSCB Complaints Unit
- Maximum leverage1:200
These are the rules SCB sets for the firms it licenses. They are not a statement about how LOM applies them, or about which of its companies would hold your account.
About The Securities Commission of The Bahamas
Offshore regulatorGovernment bodyNo compensation schemePublic registerTransparency: medium- Licences this authority issues
- SIA Broker‑Dealer (Class II – Principal & Agency CFDs)
- Typical cost of this licence
- USD 30000-50000
CIMATier 3OffshoreCayman IslandsConfirmed on registerChecked
What the register says
- Register status
- Registered Person
What our check found
A registered person status under Cayman securities law, a light exempt registration for firms serving only wealthy or institutional clients, held by the LOM Cayman branch. It is not a full licence. Client protection: Registration only, minimal standalone protection..
Client protection under this licence
- No compensation scheme
- Client money kept separate
- Complaints routeCIMA Complaints
- Maximum leverage1:500
These are the rules CIMA sets for the firms it licenses. They are not a statement about how LOM applies them, or about which of its companies would hold your account.
About The Cayman Islands Monetary Authority
Offshore regulatorGovernment bodyNo compensation schemePublic registerTransparency: medium- Licences this authority issues
- Securities Investment Business Licence
- Typical cost of this licence
- USD 30000-50000
Global Domains
3 domains on record. All active and served over HTTPS.
Corporate Network
2 legal entities behind the LOM brand.
- Global Custody & Clearing LimitedActiveBermudaRegistration 17893Established Dec 31, 1992Bermuda company number 17893, recorded as the direct and ultimate subsidiary of LOM Financial Limited; carries LEI 254900A8IDEH62TGUA63.
Company Registration
The operating company is LOM Financial Limited. Registered in Bermuda. Registration number 21896.
- Legal entity
- LOM Financial Limited
- Registration number
- 21896
- Jurisdiction
- Bermuda
- Incorporated
- May 9, 1996
- Registry
- Registrar of Companies (Ministry of Economic Development), Bermuda
- Registered address
- The LOM Building, 27 Reid Street, Hamilton HM 11, Bermuda
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