Risk scorecard
Each area is scored 0 (clean) to 10 (worst). Higher means more risk.
Regulation
3/10 · LowGenuine, in force licences verified on the BMA and SCB registers (full investment business and securities dealer); offshore only, with no tier one regulator or retail compensation scheme.
Identity & transparency
2/10 · LowPublicly listed on the BSX, real named headquarters, active LEI and matching entries across registers make this a highly transparent, disclosed group.
Withdrawals & conduct
2/10 · LowNo withdrawal, frozen account or fund access complaints found on any platform; client assets held by a BMA authorised custodian.
Reputation
4/10 · ModerateNo current complaints or warnings, but the founders settled a 2011 SEC case over 2002 to 2003 microcap share manipulation, a lasting historical blemish.
Website claims
2/10 · LowRegulation and history claims are accurate and verifiable, restricted countries are disclosed, and there are no fake awards or profit promises.
Operational history
1/10 · LowVerified track record of about 30 years (company 1996, domain 1999, listing 2001, first licence 2004).
Who they are
A quick desk file on the company behind the brand.
- Brand: LOM (also known by its original name, Lines Overseas Management).
- Legal entity: LOM Financial Limited, a publicly listed holding company, with regulated subsidiaries including LOM Financial (Bermuda) Limited, LOM Financial (Bahamas) Limited, LOM Asset Management Limited and Global Custody and Clearing Limited.
- Registered: The LOM Building, 27 Reid Street, Hamilton HM 11, Bermuda (company number 21896, incorporated 1996).
- Website: lom.com (registered 1999), with portal, onboarding and private client subdomains.
- Regulators: Bermuda Monetary Authority (investment business), Securities Commission of The Bahamas (securities dealer), and Cayman Islands Monetary Authority (registered person).
- Offers: custody, brokerage, online trading, asset management, corporate finance and family office services to high net worth and institutional clients.
- Not accepted: residents of the United States and Canada.
- Age claim: since 1992, over 30 years, which matches the record.
Regulation
Who really oversees this broker, and what each licence is worth to you.
Proof of regulation on an official register: Yes
We confirmed this broker on a genuine regulator’s register.
Licences the broker publishes
Bermuda Monetary Authority
Securities Commission of The Bahamas
Cayman Islands Monetary Authority
Why we reached this verdict
How the evidence adds up.
We reached appears legitimate because LOM is a real, long established and genuinely regulated group, verified against primary sources.
- The Bermuda Monetary Authority register lists LOM Financial (Bermuda) Limited, LOM Asset Management Limited and Global Custody and Clearing Limited as investment business licensed entities at LOM Building, 27 Reid Street, the same address on the company and LEI records. Client assets sit with Global Custody and Clearing Limited, which is authorised to hold client assets.
- The Securities Commission of The Bahamas register, in the list dated 31 August 2026, shows LOM Financial (Bahamas) Limited licensed to deal in capital market instruments as agent or principal.
- The parent has traded on the Bermuda Stock Exchange as LOM.BH since 2001, holds an active LEI, and the domain dates to 1999. Nothing about the identity is borrowed or faked, so this is not a clone.
- Across review sites, forums and regulator warning lists we found no withdrawal or fund access complaints and no alert naming lom.com. LOM does not publish direct verify links to the registers, so we confirmed the entries ourselves.
- Weighing against full confidence: the group is licensed only in offshore centres (Bermuda, Bahamas, Cayman) with no tier one regulator and no statutory retail compensation scheme, and the founders settled an SEC case in 2011. Those points sit behind the score rather than pointing to any current wrongdoing.
Risk-profile adjustment: the evidence-based score was 24%. It is presented as 65% because no reviews of any kind across 3 platforms, which our policy treats as elevated risk regardless of how little was found against this broker.
Evidence ledger
Every finding, with its source and how strongly it points.
E1The Bermuda Monetary Authority register lists LOM Financial (Bermuda) Limited, LOM Asset Management Limited and Global Custody and Clearing Limited as investment business licensed entities at LOM Building, 27 Reid Street, effective 30 January 2004, with Global Custody and Clearing permitted to hold client assets.
E2The Securities Commission of The Bahamas registrant list dated 31 August 2026 shows LOM Financial (Bahamas) Limited licensed to deal in capital market instruments as agent or principal, at LOM House, Nassau, with Craig Lines among its registered representatives.
E3LOM Financial Limited has been listed on the Bermuda Stock Exchange as LOM.BH since 20 July 2001, ISIN BMG556031075, domiciled in Bermuda.
StrongBermuda Stock ExchangeE4The GLEIF LEI record 254900PSLHF57D5P3Y09 for LOM Financial Limited is active, based at The LOM Building, 27 Reid Street, Hamilton, with Bermuda registry entity number 21896.
StrongGLEIF Global LEI IndexE5The domain lom.com was registered on 22 February 1999 and uses Bermuda based name servers, consistent with a long established Bermuda firm.
ModerateVerisign registry recordE6LOM own site states it is licensed by the Bermuda Monetary Authority and the Securities Commission of The Bahamas, that LOM Financial Cayman is a registered person with the Cayman Islands Monetary Authority, and that it does not accept United States or Canada residents.
E7In 2007 the US SEC charged Brian and Scott Lines and LOM group companies (including Lines Overseas Management Ltd and LOM Securities (Bermuda), (Cayman) and (Bahamas)) over microcap share manipulation in 2002 and 2003; the group settled in 2010 and 2011 for about US$2.53 million without admitting or denying the findings.
E8Searches of IOSCO and major regulator warning lists returned no alert naming lom.com or LOM Financial Limited; the only similar entry, LOOM INVESTMENT, is an unrelated firm.
E9LOM has no reviews on Trustpilot and no withdrawal or fund access complaints on forums or web searches; an independent trust check rates lom.com likely safe with a 27 year old domain and valid certificate.
ModerateTrustpilot and ScamAdviserE10LOM describes a 30 year, family owned wealth and family office operation across Bermuda, the Bahamas and Cayman, with the Lines family in private wealth for over seven decades.
The other side
The strongest case in this broker’s favour.
Here is the strongest case for caution, so you can judge for yourself.
- In 2007 the US Securities and Exchange Commission charged the Lines brothers and LOM group companies over two microcap share manipulation schemes in 2002 and 2003 (Sedona and SHEP). The group settled in 2010 and 2011, paying about US$2.53 million, without admitting or denying the findings. It is old and settled, but it is a real regulator action against this group.
- All of LOM regulation is offshore. Bermuda, the Bahamas and the Cayman Islands are legitimate but lower tier for retail protection, and none offers the compensation cover you would get from a tier one regulator.
- The Cayman arm is a registered person, which is a light exempt registration for firms serving only wealthy or institutional clients, not a full licence.
- For a firm of this size there is very little independent retail review history. That is normal for a private wealth boutique, but it leaves little public account of client payout experience.
What would change this
What we would need to see to revise the verdict.
We would revisit this view if any of the following appeared.
- A regulator warning or alert naming lom.com or LOM Financial Limited.
- The Bermuda Monetary Authority or the Securities Commission of The Bahamas removing, suspending or withdrawing the LOM entities from their registers.
- A credible, specific pattern of clients reporting blocked withdrawals, frozen accounts or demands for extra payments to release funds.
- Evidence that the live site or account portals had been taken over or cloned, or that the listed entity had been struck off.
Check it yourself
Official registers and warning lists. Verify every claim first-hand.
Bermuda Monetary Authority register
Search LOM to see the group entities licensed for investment business.
Securities Commission of The Bahamas registrant search
Open the Securities Industry Act list to find LOM Financial (Bahamas) Limited.
Bermuda Stock Exchange listing (LOM.BH)
The listed parent, LOM Financial Limited.
GLEIF LEI record
Corporate identity and Bermuda registry number 21896.
SEC litigation release (2011 settlement)
The historical SEC case involving LOM group companies.
Frequently asked questions
Quick answers about this broker’s safety.
Is LOM a scam?
No. LOM (LOM Financial Limited) is a genuine, 30 year old Bermuda financial group, regulated by the Bermuda Monetary Authority and the Securities Commission of The Bahamas, and listed on the Bermuda Stock Exchange. We found no evidence it is a scam.
Is LOM a fraud?
No. There is no regulator warning, no current enforcement action and no fraud related court case against LOM Financial Limited today. Its founders did settle a US SEC case in 2011 over share dealing in 2002 and 2003, without admitting wrongdoing, but that is historical and unrelated to how the firm operates now.
Is LOM regulated?
Yes. LOM Financial (Bermuda) Limited and related entities are licensed for investment business by the Bermuda Monetary Authority, LOM Financial (Bahamas) Limited is a licensed securities dealer with the Securities Commission of The Bahamas, and LOM Financial Cayman is a registered person with the Cayman Islands Monetary Authority.
Can I withdraw my money from LOM?
We found no reports of blocked or delayed withdrawals. LOM is a custody and wealth management firm, and client assets are held through Global Custody and Clearing Limited, which is authorised by the Bermuda Monetary Authority to hold client assets.
Is my money safe with LOM?
LOM is regulated in Bermuda, the Bahamas and Cayman and reports over US$1.7 billion in assets under custody. Protection comes from offshore rules rather than a tier one compensation scheme, so it is not the same as a UK or US regulated broker. That is the main thing to weigh.
Who owns LOM?
LOM is majority owned by the Lines family and is a publicly listed company on the Bermuda Stock Exchange. The name LOM stands for Lines Overseas Management.
How old is LOM?
The group says it has operated since 1992. The parent company was incorporated in Bermuda in 1996, the website dates to 1999, and the stock exchange listing to 2001, so the roughly 30 year history checks out.
Is a Bermuda or Bahamas licence any good?
These are legitimate regulators, and Bermuda in particular is a respected financial centre. But they are offshore and lower tier for retail investor protection than the FCA, SEC or ASIC, with no equivalent retail compensation fund.
Did LOM have an SEC case?
Yes. In 2007 the SEC charged the Lines brothers and LOM group companies over microcap share manipulation in 2002 and 2003. The group settled in 2010 and 2011 for about US$2.53 million, without admitting or denying the findings. No later regulator action has followed.
Is LOM a clone of another company?
No. LOM uses its own name, licences, address and listing, all of which match across the registers, the stock exchange and the LEI record. We found no impersonation.
Does LOM accept US or Canadian clients?
No. LOM states it does not accept residents of the United States or Canada. Anyone offering you a LOM account as a US or Canadian resident should be treated with suspicion.
What should I check before depositing with LOM?
Confirm you are on the official lom.com, check which LOM entity your contract is with, read how your assets are held in custody, and understand that your protection is offshore rather than tier one.
What we recommend
The practical takeaway from everything above.
Treat LOM as a genuine, offshore regulated wealth manager rather than a retail forex broker, and take the usual care.
- Deal only through the official site lom.com and the portal, onboarding and private subdomains it controls.
- Understand that your protection comes from Bermuda, Bahamas and Cayman rules, not from a tier one regulator or a retail compensation scheme.
- Confirm which LOM entity holds your account and read how your assets are held in custody with Global Custody and Clearing Limited.
- United States and Canada residents are not accepted, so be wary of anyone offering LOM accounts to those clients.
This is an independent assessment of risk, not a legal ruling. Scores and verdicts follow the Wikilix broker-safety methodology and can change as new evidence appears. Review scores are treated with caution when a broker’s reviews look manipulated. Last reviewed September 17, 2026. If any detail here is out of date or incorrect, or you represent this broker, please contact us.
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