HomeMy WebLinkAboutHome occupation complaint MEMORANDUM
DATE: 6 May 2013
TO: Street File for 2280 French Creek Circle
FROM: Melanie Curtis, Planning&Zoning Coordinator
RE: Illegal Home Occupation Complaint
In response to a complaint regarding an illegal home occupation received on April 18,
2013, staff opened a code violation investigation file. The reported and observed activity
does not appear to clearly violate City Code Section 78-1376 relating to Home
Occupations.
The complaint is unfounded; the violation investigation file is considered closed.
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Thanks for speaking to me today about the home occupancy issue in French Creek.
I thought it would be helpful to send you these three documents:
1. The letter that was sent from our board to Mr. Ulrich on October 1, 2012, asking him to bring the
operation of his business "into compliance with the Orono Municipal Code."As I told you on the phone
today, we have received no response from Mr. Ulrich regarding this.
2. An article from the Orland Sentinel about Mr. Ulrich being robbed at gunpoint while on a business trip
in Florida. This provides some clues as to the type of business that Mr. Ulrich operates, as well as the
type of people he hires as employees.
http://articles.orlandosentinel.com/2011-12-12/news/os-florida-mall-hotel-robbery-20111212 1 hotel-
rooms-deputies-florida-mal I-hotel
3. A case summary from the Federal Trade Commission, Appellee v. Security Rate Coin & Bullion (Mr.
Ulrich's company)
http://law.lustia.com/cases/federal/appellate-courts/F2/931/1312/423369/
Please let me know what you find out after discussing this with your colleagues.
Thanks again,
�
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October 1, 2012
Mr. Bill Ulrich
2280 French Creek Circle
Orono, MN 55391
Dear Bill:
By way of introduction, I am Brian 0'Connell, a relatively new resident in French Creek and currently
serving as the President of the French Creek Owners Association Board of Directors. I'm writing to you
on behalf of the Board to inquire about what appears to be business activity over the past several
months being conducted on your property. There have been several instances with cars parked on the
street and what appear to be employees or associates working at the property. These cars and
personnel certainly give the appearance that business is being conducted at your property and they
have, at times, blocked mailboxes and interfered with school bus drop-offs.
As you may know, our Association covenants address business use of French Creek properties in three
areas. Article 1, Section 1 states that "each lot shall be used solely and exclusively for residential
purposes." Article III, Section 1 states, "...nor shall anything be done which may be or may become an
annoyance or nuisance to the neighborhood." Lastly, Article VI, Section 2(c)tasks the design approval
process for new construction or remodeling projects to "prevent any commercial, business, or industrial
use of the land."
More importantly,the Municipal Code for the city of Orono places certain restrictions and requirements
on home occupations. Specifically, the city defines a home occupation with employed persons other
than the occupants of the dwelling as a Level 2 home occupation requiring an annual license from the
city of Orono (Municipal Code, Section 78-1376). In addition the code also places certain restrictions on
Level 2 home occupations, specifically
1. The home occupation shall be clearly incidental and secondary to the residential use of the
premises, and shall result in no incompatibility with or disturbance to the surrounding area.
2. Employed persons: No one other than the occupants of the dwelling and one employee or
associate shall be on the property at any given time in relation to the home occupation. No
employee or associate or combination of either shall work on the premises for more than 40
hours in one week. The home occupation may employ additional nonresident employees only if
their work activities are performed off the premises. Personal vehicles of employees working
off the premises shall be parked within a building or shall be fully screened from the street and
from adjoining properties.
� '
3. Parking: All vehicle parking required for conduct of the home occupation shall be off-street.
The off-street parking area required for the principal residential use shall be retained exclusively
for the principal residential use and shall not be made unusable by the home occupation. Off-
street parking areas providing more than two spaces for the home occupation shall be visually
screened from adjacent residential lots.
4. Commercial or non-passenger vehicles: Parking/storage of any commercial or non-passenger
vehicles used in the home occupation shall be within a fully enclosed building.
The Board would appreciate any details, explanations or clarifications you can provide as to the nature
of the activity that occurs periodically at your property. If you are indeed conducting business
operations at your property, we ask that you bring those operations into compliance with the Orono
Municipal Code. If there are not any business operations occurring at your property, the Board would
expect that no cars would be parked on the street and no employees or associates would be working at
the property.
We look forward to your response, and if you have any questions or would like any additional
information from the Board, you can reach me directly at the contact information listed below.
Sincerely,
Brian 0'Connell
President, French Creek Owners Association
Mobile: (952) 221-3153
Email: bpoc62@gmail.com
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DutcherLawOffice.com A recently fired employee of a nationwide business buying
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One of the victims called the front desk about 5:30 a.m.
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The thieves targeted a series of safes holding up to$400,000 in merchandise purchased over the
Mom arrested after boy,7,found alone at motel weekend from Central Floridians responding to advertisements to sell gold jewelry,rare coins,collectibles
January22,2013 and watches,according to a sheriffs report and advertising for the three-day event.
Brink's guard accused of taking$33,000 from ATMs �en deputies arrived at the hotel on Sand Lake Road,they stopped what appeared to be an elderly
oaoberz�,zoo� man trying to leave the hotel with bags of trash.
2 Men Rob Hotel Clerks After They Tie Up Guard ��As I took a closer look at the subject's face,he did not look quite right,"a deputy wrote,describing a full-
oaobers,�sss face mask that covered the man's head and shoulders."It appeared the subjecYs skin was falling off his
Maryland Man Charged In Hotel Room Burglanes face."
Odober 23,1999
The man in the mask turned out to be Ramon Rivera,51,of Columbus,Ohio,who was fired two weeks
ago by Anderson,Carter,Tira&Associates estate buyers for suspicion of the theft.He was armed with a
knife,the reports state.
Find More Stories About A short while later,deputies detained Timothy M.Crawford,52,also of Columbus,after he admitted he
was carrying a pistol that turned out to be a BB gun,records state.
oeputies Meanwhile,a second victim called on the phone saying he had been robbed,as well.
Hotel Rooms
http://articles.orlandosentinel.com/2011-12-12/news/os-florida-mall-hotel-robbery-201112... 4/19/2013
� .Florida Mall hotel robbery gold buyers: - Orlando Sentinel Page 2 of 3
Told by deputies to come down to the lobby,William Ulrich stepped off an elevator bleeding from a cut on
his forehead and his hands still tied behind his back with plastic zip ties used by the robbers,the report
states.
Ulrich,one of the organizers of the three-day event,told deputies he had been asleep in his room when
someone started hitting him on the head.He was sharing a two-floor suite with Christine Johnson,who
was staying in another room when she too had been threatened and tied up by the robbers,the report
states.
It was not released how the robbers entered the suite,but Ulrich told deputies he had met a woman
earlier in the evening in the hotel bar who had stayed with him in his room until about midnight.
During the robbery,Ulrich said he was hit a number of times until he gave his attackers keys to the hotel
rooms where the safes were stored along with the codes to open them.He estimated the safes contained
$300,000 to$400,000 in merchandise,according to the report.
Rivera and Crawford were arrested on multiple charges,including robbery and grand theft of at least
$100,000.
The Florida Mall hotel was one of four Orlando-area locations where the estate buyers advertised they
would have$4 million in cash to buy gold,jewelry and other items over the weekend.In a three-page
advertisement on Friday in the Orlando Sentinel,the company said it would provide on-site security and
private viewing rooms where all items would be evaluated and bought for up to$100,000 and more.
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"Cash in Hand.Our buyers will pay you in cash on the spot cash,"the ad stated."So why not look through
your home,safe deposit box,and attic for things you might wish to sell,and come see us today."
The estate buyers were also working at Hilton Garden Inn in Lake Mary,the Radisson Hotel Orlando UCF
on North Alafaya Trail and the Crowne Plaza Orlando Downtown on West Colonial Drive. None of those
three hotels reported a similar robbery over the weekend.
Rivera and Crawford were each charged with home invasion,false imprisonment with a weapon and a
mask,first-degree grand theft of$100,000 or more,aggravated battery with a deadly weapon and
aggravated assault.They remain held without bail in the Orange County Jail.
hcurtis@tribune.com or407-420-5257
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http://articles.orlandosentinel.com/2011-12-12/news/os-florida-mall-hotel-robbery-201112... 4/19/2013
' ,
FTC CHARGES MINNESOTA LAW FIRM AND BANK WITH CONSPIRING TO DE... Page 1 of 2
News
FTC CHARGES MINNESOTA LAW FIRM AND BANK
WITH CONSPIRING TO DEFRAUD THE AGENCY OUT OF
AN $11 MILLION JUDGMENT IN COIN FRAUD CASE
�
December 1992
The Federal Trade Commission has charged a Minnesota law firm and a Minneapolis bank in federal
district court with fraudulently agreeing to prevent the agency from collecting on an $11.2 million
federal court judgment. The FTC had won the judgment for consumer redress in a previous case
against a rare-coin marketer. Named in today's case are Larkin, Hoffman, Daly & Lindgren, Ltd., of
Bloomington; and the National City Bank, of Minneapolis.
According to the FTC, the defendants helped the coin marketer fraudulently transfer several million
dollars in rare coins into trusts for his three daughters and then convert a substantial portion of the
coins back to his own use, and that they unlawfully and wrongfully acted to conceal assets belonging
to the coin marketer and to put those assets beyond the reach of the FTC.
In its complaint detailing the allegations, the FTC is seeking to void all illegal transfers of money
made to the defendants, pursuant to federal and state law; compensatory damages against the
defendants for aiding and abetting, conspiracy, and, as to National City Bank, breach of fiduciary
duty; and, according to the complaint, an award for punitive damages not to exceed $11.2 million.
This case stems from the FTCs 1986 case against Minneapolis coin dealer William J. Ulrich and his
firm, Security Rare Coin& Bullion Corparation, a leading nationwide seller of coins for investment
that was based in Minneapolis. The FTC filed its suit against Ulrich and his firm on Dec. 29, 1986,
and sought consumer redress in excess of$20 million.
According to the complaint filed late yesterday, FTC staff began investigating Ulrich in the summer
of 1986, and came to believe that he was selling his coins for three to four times their true value
while representing that they were low-risk, high- profit investments sold at or near their market
value.
During the fall of 1986 and the winter of 1987, the complaint states, Ulrich's attorneys and the bank
knew that his "potential liability in the FTC matter could equal tens of millions of dollars." Yet,
beginning in the fall of 1986 and continuing until May of last year, according to the complaint,
Ulrich conspired with, and was aided and abetted by, the law firm and the bank "in an unlawful plan
to remove, conceal, and protect his assets from the reach of the FTC."
This allegedly was accomplished through a series of fraudulent conveyances and other unlawful
transactions, which succeeded in making Ulrich virtually judgment proof, the FTC charged.
http://coin-fraud-news.com/index.php?option=com_content&view=article&id=72:fto-char... 4/18/2013
FTC CHARGES MINNESOTA LAW FIRM AND BANK WITH CONSPIRING TO DE... Page 2 of 2
According to the complaint, in the fall of 1986, Ulrich, with the assistance of the Larkin, Hoffman
firm, allegedly attempted to place a substantial amount of his rare-coin holdings into three identical
trusts the firm had helped him set up for his daughters in 1985.
The complaint states that an attorney at Larkin, Hoffman, worked with Ulrich to devise a plan--
which included backdating documents and altering them to remove creation-date codes -- to make it
appear as if the coin holdings had been placed in the trusts prior to Ulrich's knowledge of the FTC
investigation. (Had this been the case, the FTC could not have reached the trust- account holdings in
its suit for consumer redress.)
Later, according to the complaint, an attorney at Larkin, Hoffman made numerous false statements
during a deposition and misled the court in an affidavit about when he believed the gifts to the trust
actually had been made.
Further, the complaint states, the National City Bank of Minneapolis allegedly accepted a position in
April 1987 as corporate trustee of Ulrich's trusts despite the objection of several bank employees
who were concerned about Ulrich's legal problems and possible unlawful motives for using the bank
as trustee.
The "gifted" coins then were physically transferred to the National City Bank's vault. Then, the FTC
charged, National City Bank and Ulrich agreed not to liquidate the coins, as required by state law and
federal banking regulations.
From June 1989 until April 1991, the FTC alleged, National City Bank substantially assisted Ulrich
in a scheme to shield assets from the FTC by giving him free rein to control and liquidate the trust
assets as he chose, in violation of the bank's legal responsibilities. The FTC alleged that the bank
appointed Ulrich as its agent to liquidate the coins and allowed him to remove the coins from the
bank's vaults.
The complaint states that, although the coins at issue in these sales were estimated by the bank to be
worth upwards of several million dollars in 1987, the trust accounts received only $266,000 from the
sales. Ulrich allegedly converted approximately $400,000 of the coin sale proceeds to his own use.
Ulrich's free rein over the trust coins continued long after it was clear to National City Bank the
value of the trust assets was being substantially depleted, according to the complaint.
In a separate statement, concurring in part and dissenting in part, Commissioner Deborah K. Owen
stated, "The complaint in this matter pleads four causes of action. Based on the evidence available, I
concur in three counts, and dissent as to the count alleging conspiracy. Because others may review
the Commission's complaint for guidance in their own efforts to comply with the law, I would stress
that the complaint should be read as a whole.... Certain of the individual actions alleged here might
well be consistent with lawful professional conduct, under different circumstances. However, given
the weight of the evidence available, I was persuaded that a complaint with three counts should issue,
based on the totality of the alleged conduct."
Source: http://www.crimes-of-persuasion.com/players/ulrich william.htm
http://coin-fraud-news.com/index.php?option=com_content&view=article&id=72:ftc-char... 4/18/2013
r ' �
Traveling gold buyers play lowball Page 1 of 1
Click lo Print
� I1linoisTimes
� ����
Thursday,October 7,2010
Traveling gold buyers play lowball
Buying Roadshow linked to convicted fraudster
BY PATRICK YEAGLE
� ... y,��„y ... . - z- � .:.�:,'�nt ""�!�'�'>>.�
� �� � ``' � .� .., � r'' "�� �, rou of travelin
.��r ,�,�.� � � g p g gold buyers visited Springfield last week,
. „�r�i r' ���b.l. . p�;,� +,�-_����'� � '{ ,. ����sing questions about their business practices and associations
^�f ""�� ti� :��th a convicted fraudster.
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� �•� � -�group calling themselves"Estate Buyers Group"set up shop at
�-.' ���-� � �. � . .-.' � N �� i the Ramada Springfield North,3281 Northfield Drive,from Sept.
� '�-„�, w l 27 to Oct.2,in what it called the"original Buying Roadshow,"
=�`�jr f !: ��.
�nviting Springfield residents to bring coins,jewelry and other
�� - �"r'�"' " collectibles for appraisal and purchase.Jim Hausman,owner of
> � � , � � .� ' �A ����� ..�'. The Gold Center in Springfield,says the group appraised
� " ~ } valuables at far below market value while they were here,
��*✓ �� M�`'.'��J essentially scamming their customers.
, l`� `�i
�' iJ �r
J - � ��e�P .•�_ -lausman says he took a rere coin valued at about$5,000 for
� �ppraisal,mixed in with several coins of low value.He was
- I -�i�.� '``, , - offered only$200 for the whole bt,he says.
��:.� � ��r . .�.. \
�'��w# �� ���4� � An Illinois Times investigation found that the group offered
� . � � �,..� r s�gnificantly less than market value for silver coins taken for
�? � appraisal Wrth the price of silver at$22.09 per ounce,an Illinois
���� ` � ;;��.,.j'y��� �" � Times reporter took two one-ounce silver coins and two smaller
sdver coins weighing just over a third of an ounce each for
appraisal.The value of the silver in the coins was about$60,but an appraiser who identified himself as Ron offered the reporter$40 for the whole lot.
That may not sound like a bad deal,Hausman says,until you consider that the offering price is 30 percent below the"melt value"of the silver.Hausman says his business pays about
99 percent of the value for precious metals and makes up for the small profit margin through voiume.
When asked about the low offering price,Ron,the appraiser,said people are under no obligation to sell their valuables.Eugene Bascou,one of the men in charge of the Buying
Roadshow,said the coins presented by lllinois Tmes were worth less money because they were damaged.He then walked away,saying,"I'm not going to do an interview with you."
Estate Buyers Group has ties to a convicted fraudster,Wlliam J.Ulrich,who was ordered in 1990 to pay almost$112 million in damages to consumers by the United Slates District
Court of Minnesota for misrepresenting the value of coins he sold as investments.Estate Buyers Group shares a telephone number with Goldstar Travel and Advertising Agency-also
known as Goldstar Estate Buyers Corp.,which is owned by a member of Ulrich's family with Ulrich himself listed as a consWtant,according to the Better Business Bureau.The same
phone number is also shared by Tyre,Bailey,Roberts&Associates and Estate Buyers,which shares a Hudson,Wis.,address with Goldstar Estate Buyers Corporation.That company
also owns the trademark rights to the"Buying Roadshow"name.
Ulrich also attempted to avoid paying the damages in his case by collaborating with National City Bank to hide some of his assets,according to the Federal Trade Commission.Urlich
was prosecuted on federal racketeering charges and sentenced to six years in prison.
Hausman at the Gold Center says he alerted the State Journal-Register about the issue because of a heavy advertising campaign in that paper by Estate Buyers Group,but the
management of the paper allegedly declined to investigate.A request for comment from SJ-R management went unanswered.
Hausman says he has and will conlinue to lobby the City of Springfield to regulale or ban such traveling road shows.
"If you want to get rid of stolen goods,you want to take them to one of these traveling gold buyers,"Hausman says."There's no records and there's no way to track what goes on there.
IYs an absolute scam,and it needs to stop."
Contact Patnck Yeag/e at pyeagle@illinoistimes.com.
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Patrick Yeagle gold estate buyers buying roadshow Eugene Bascou Goltlstar VJlliam J.Ulnch Fetleral Tratle Commission felony scam fraud Spnngfeltl Ramada coin Jim Hausman Gold Center silver
http://www.illinoistimes.com/Springfield/print-article-7854-print.html 4/18/2013
Professnal Estate Buyers Group in Wayzata, MN 55391 - Chamber of Commerce Page 1 of 2
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� NO CONTRACTS
Professnal Estate Buyers REVIEWS
Group o
600 Twelve Oaks Center Dr,Ste 648C BASED ON:0 REVIEWS Business � (fl[EfllEi
Wayzata,Minnesota 55391 Submit Q� �
(952)476-6599
3��b°"� $55/mo*
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ABOUT US:
_ M c i-
Professnal Estate Buyers Group is located at the address 600 Twelve Oaks Center Dr in Wayzata, -
Minnesota 55391.They can be contacted via phone at(952)476-6599 for hours and directions.
Professnal Estate Buyers Group has an annual sales volume of 501 K-999,999.For more information BUSINESS LOCATION
contact Mary Ulrich,PRESIDENT.
For maps and directions to Professnal Estate Buyers Group view the map above.For reviews of 5
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Business Filing Details Page 1 of 2
Home(� Search(/Business/Search) Filings(/Business/Filings)
Search » Business Filings
«Back to Search Results
Business Record Details »
File Amendment or Renewal(/Business/Amendments?filingGuid=649a1945-aad4-e011-a886-001ec94ffe7�
Order Copies
Order a Certificate(/Business/Certificates?businessMasterGuid=649a1945-aad4-e011-a886-
001 ec94ffe7f&route=filing&productld=007ecb3e-fad3-e011-a886-
001 ec94ffe7f&originalFilingGuid=2b30a391-d9d4-e011-a886-001 ec94ffe7�
--- -- - --1
Minnesota Business Name
Professional Estate Buyers Group
Business Type MN Statute
Assumed Name 333
File Number Home Jurisdiction
182752 Minnesota
Filing Date Status
1 0/2417 99 6 Active/In Good Standing
Renewal Due Date: Registered Agent(s)
10/24/2076 (Optional)None provided
Principal Place of Business Address
600 Twelve Oaks Center Drv#648C
Wayzata MN 55391
USA
Nameholder Nameholder Address
Goldstar Estate Buyers Corp 1000 Loma Linda,Mound,MN 55364
Filing History
Filing History
10/24/1996 Original Filing-Assumed Name
10/24/1996 Assumed Name Business Name
04/18/2006 Assumed Name Renewal
04/18/2006 Assumed Name Principal Place of Business
� I
http://mblsportal.sos.state.mn.us/Business/SearchDetails?filingGuid=649a1945-aad4-e011-... 4/18/2013
, ^
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Business Record Details »
File Amendment or Renewal(/Business/Amendments?filingGuid=94ad0284-9ad4-e011-a886-001ec94ffe7�
Order Copies
' Order a Certificate(/Business/Certificates?businessMasterGuid=94ad0284-9ad4-e011-a886-
001 ec94ffe7f&route=filing&productld=023dd338-fad3-e011-a886-
001 ec94ffe7f&originalFilingGuid=f6f4d94c-13d5-e011-a886-001 ec94ffe7f)
Minnesota Business Name
Goldstar Estate Buyers,Corporation
Business Type MN Statute
Business Corporation(Domestic) 302A
File Number Home Jurisdiction
8Q-310 Minnesota
Filing Date Status
03/28/1995 Active/In Good Standing
Renewal Due Date: Registered Office Address
12/31/2014 600 Twelve Oaks Center Drive
Suite 648C
Wayzata MN 55391
USA
Number of Shares Registered Agent(s)
25,000 (Optional)None provided
Principal Executive Office Address Chief Executive Officer
600 Twelve Oaks Ctr Drv#648C Mary Ulrich
Wayzata MN 55391 600 Twelve Oaks Ctr Drv#648C
USA Wayzata MN 55397
USA
Filing History Renewal History
Filing History
03/28/1995 Original Filing-Business Corporation(Domestic)
03/28/1995 Business Corporation(Domestic)Business Name
03/05/2008 Registered Office and/or Agent-Business Corporation(Domestic)
4/5/2013 Registered Offce and/or Agent-Business Corporation(Domestic)
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Parcel Map Scale: 1"= 100 ft. N
10-117-23-23-0003 A-T-B: Torrens
ID: �
Print Date:4/18/2013
Owner W J Ulrich&M A Ulrich Market $1,786,000
Name: Total:
Parcel 2280 French Creek Cir Tax $23,986.88
Address: Orono, MN 55391 TotaL• (Payable: 2013)
Property Residential Sale �1,795,000 �
Type: Price:
This map is a compilation of data from various ,
Home- Homestead Sale 10/2005 sources and is furnished"AS IS"with no '�
St28d: DBte: representation or warranty expressed or I
implied,including fitness of any particular I
purpose,merchantability,or the accurecy and
Other—See Certificate completeness of the information shown.
Parcei 1.56 acres Sale �
Area: 68,053 sq ft Code: OfrReal Estate Value COPYRIGHT�O HENNEPIN COUNTY 2013
� Thirk Green! I
http://gis.co.hennepin.mn.us/Property/print/default.aspx?C=454144.9505443613,4978281.... 4/18/2013
03�27-'@# 09;�4 F�OM- T-247 P02/02 U-523
, . �
'VVilli�m and M�ry �lrYch
2280 French Cre�k Circle
VVayzata, MN 55391
March 24, 2009
Ms. Melanie Curtis
Planning 8 Zoning Coordinator SENT BY FACSIMILE
City of Orono 952-249-4616
P. O. Box 66
Crystal Bay, MN 55323-0088
Re: Our home at 2280 French Creek Circle
PIN 10-117-23-23-0003
Dear Ms. Curtis:
This Ietter responds to your inquiry of February 24, 2009. While I have attended to
some business matters at my home, my business is run out of my office at 600 Twelve
Oaks Center Drive, Suite 648C, Wayzata, MN 55391.
I have reviewed the materlals you sent concerning home occupations. After reviewing
the materiai and discussing it with attorney Pater Johnson, I have concluded that there
is no immediate need to make application for a home occupation.
As stated above, my business is operated out of a commercial office located in
Wayzata, I have no present intention to move company operations into my home.
Now that I have familiarized myself with your ordinances, I can and will ensure that any
business activities that are conducted at our home have no effect on the surrounding
neighborhood. In the future, I intend to avoid any activities that will trigger the need for
a home occupatian license under your ordinances.
I have tried to be a good neighbor in French Creek. If there are specific issues that
have been raised as a complaint, please call me or write vvith any details that you can
share with me. I assure you that I will make every effort to ac�ommodate my neighbors
if possible.
Very truly yours,
///J,�=�`�.:� ��' ��-�
iiliam U�rich �
03-27-' 09 09:�4 F�OM- T-247 P01/02 U-523
. � � ,
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�6�+ Forf Couch Fc��. t- � � �'� i� � � � :'; ���
Fi;isb�'rgh, Fr1 1���1 .
r ro,,z: 47 z-���-s3o� �� r;s � ��s c �+ � �; �,.r�
F�a: �,�-s�i-es�� r _
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To: /V�S , �.0 1e�/ S Frorn: l..J iLLI.��"'1 V L lQ � �f',
Fax; � �� , 1 ." �lD � l� Pa9es: � �
. , . . . . : ..... .
Phone:� • . �afe: .. . . . .
Re: . , ` CC:
Q Ur�gent CI For Review O Please Comment C7 P(ease Rep1y � P�ease
F�ecycle .
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�' O O
, ��A�,;,; CITY of ORONO
,� , , , �,
� '�� ��I, -� � Municipal Offices
"�,,� ,� , � U ;,�� � �
.� ` � � .� Street Address: Mailing Address:
`�kEggO�' 2750 Kelley Parkway P.O. Box 66
_ - Orono, MN 55356 Crystal Bay, MN 55323-0066
24 February 2009
William & Mary Ulrich
2280 French Creek Cir
Wayzata, MN 55391 SENT VIA: CERTIFIED MAIL
70020510000163061428
RE: 2280 French Creek Circle/ PIN 10-117-23-23-0003
Home Occupation
The City has recently become aware of activity being conducted at your residence at the above address,
which appears to be related to a commercial or business use.
Home occupations within the City of Orono are regulated under City Code Section 78-1376; this section is
attached herein for your reference. Your commercial use of the above property appears to be in violation
' • of the following, but not limited to, code sections 78-1376 (2), (7), and (13). Please complete the attached
� Home Occupation License paperwork and submit to me on or before March 13,2009. Upon receipt of your
' information the City will evaluate and determine which, if any, of the levels of Home Occupation fits your
� use of the property. Please discontinue operations until the City has reviewed and made a determination
on your use of the property.
Please submit the required information by March 13, 2009. Should you fail to submit the required
information and/or fail to discontinue your commercial use of the property I will forward this matter to the
City attorney for prosecution. Your attention to this matter is appreciated. Feel free to contact me at
952.249.4627 or mcurtis(c�ci.orono.mn.us should you have any questions.
Sincerely,
d City of Orono
' .��"�,���� .
�
Melanie Curtis
Planning & Zoning Coordinator
Encl: City Code 78-1376
Home Occupation Application
Telephone(952)249-4600 • Fax(952)249-4616
www.ci.orono.mn.us
, , .
. . . . .
■ Complete items 1,2,and 3.Also complete A. Sig ur
item 4 if Restricted Delivery is desired. � �l Agent
■ PriRt your name and address on the reverse �i7 Addressee
so that we Can return the card to you. , ived by rinted Name) C. ate of Delivery
■ Atta�h this card to the back of the mailpiece,
or on the front if space permits. ' f'k �t°� +�'- ��—'j—U�
D. Is delivery a dress ' erent from item 1? ❑Yes
1. Article Addressed to: If YES,enter delivery address below: ❑ No
�M I I�C�w, � �IV�C�ry ul►�ch . �
?�'b �y� I� C►��e� �t'� .
Z � C
�C r��� �N ��� ' 3.`y�rvice Type
V� lL�Certified Mail ❑ Express Maii
❑Registered ❑ Return Receipt for Merchandise
❑Insured Mail ❑C.O.D.
4. Restricted Delivery?(Ertra Fee) ❑Yes
2. ARicle Number ��y� �� � �7� / � � �/,? r/
(fiansfer irom service/abe/) ��i(/ L U � �`f��4
PS Form 3811,February 2004 Domestic Return Receipt Me��,� 102595-02-M-1540
e
a
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y����e���D
` � '` ?��1�
To: Jim White and Bill Wells ���.�,���R
City of Orono 01��0
P.O. Box 66, Crystal Bay, MN 55323
From: anonymous (name withheld to avoid retaliation for sending this letter)
Date: November 3, 2008
Re: Violations of home occupation regulations at 2280 French Creek Circle
I am writing to report what seems to be a home occupation violation at 2280 French
Creek Circle in Orono.
On a regular basis (approximately 2-3 times per month) one or two large, triple-axle,
silver vans being pulled by large pick-up trucks are driven into the French Creek
neighborhood and are parked on French Creek Circle or in the occupant's driveway. Then
as many as six men, all driving what appear to be their own vehicles, park their vehicles
either on French Creek Circle or in the occupant's driveway. They then get out, pulling
wheeled suitcases behind them. They go into the occupant's house and come out carrying
metal lockboxes. They then spend the next 30 to 60 minutes loading them into the van(s).
Finally, they come out again, wheeling their suitcases behind them, get into their vehicles
and drive away.
Often, the vans will arrive on a Friday night and the unloading/loading occurs early on
Saturday morning.
About a month ago, a neighbor took photos at one of these incidents. After this person
was observed taking photos, there have been at least three sightings of these silver vans
parked in the parking lot of the Minnetonka Center for the Arts, rather than on French
Creek Circle.
�
I have studied the regulations of home occupations in the city of Orono. The violations
that are occurring include:
1. The home occupation results in an incompatibility and disturbance of the residential
nature of the French Creek neighborhood, where many young children live, walk and ride
bikes on the roads. There is one report of two children being growled at when they got
too close to the loading process.
2. Employed persons. More than one employee or associate is on the property at a given
time in relation to home occupation.
3. Outdoor storage seems to be occurring in the silver vans.
.
Page 2
Home occupation violations at 2280 French Creek Circle
4. Parking doesn't always occur off-street and when it does, it is not visually screened
from adjacent residential lots.
5. There is a question about what type of materials are being moved in those suitcases
and metal boxes; is it of a"type normally found in or compatible with a dwelling unit?"
There are doubts that it is.
6. The hours occur earlier than 8:00 am and later than 7:00 pm.
7. The level of traffic generated during these incidents is detrimental to the residential
character of the neighborhood.
8. The shipment and delivery of products, merchandise or supplies occurs in much larger
vehicles than the "single rear axle straight trucks" your regulations state.
9. The activity occurs more than six times per year, usually as often as 2-3 times per
month.
10. There is also the question of whether these incidents are indicative of a dispatch
center, which is a prohibited home occupation.
The city of Orono should be familiar with the owners of this property: they appeared
before city council numerous times to get a variance to the setback requirements of their
home remodel. Apparently,there was little or any discussion during those meetings about
the home being used as a Leve12 home occupation or even a dispatch center.
We trust the city to take care of this matter comprehensively, quickly and to the
satisfaction of the citizens of Orono.
Thank you.
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William J. Ulrich- Security Rare Coin and Bullion Corp Page 1 of 3
FTC CHARGES MINNESOTA LAW FIRM A\D B:�\I:WITH COtiSPIRItiG TO
DEFRAI�D 7'HE AGENCY Ol1T OF AN�11 MILLION JI�DGME�T I\(�O1�
FRAI�D CASE- 12/92
The Federal Trade Commission has charged a Minnesota law firm and a Minneapolis bank
in federal district court with fraudulently agreeing to prevent the agency from collecting on
an$I 1.2 million federal court judgment The FTC had won thejudgment for consumer
redress in a previous case against a raze-coin marketer.Named in today's case are Larkin,
Hoffman,Daly&Lindgren,Ltd.,of Bloomington;and the\ational City Bank,of
Minneapolis.
According to the FTC,the defendants helped the coin marketer fraudulently transfer
several million dollars in rare coins into trusts for his three daughters and then convert a
substantial portion of the coins back to his own use,and that they unlawfully and
wrongfully acted to conceal assets belonging to the coin marketer and to put those assets
beyond the reach ofthe FTC.
In its complaint detailing the allegations,the FTC is seeking to void all illegal transfers of
money made to the defendants,pursuant to federal and state law;compensatory damages
against the defendants for aiding and abetting,conspiracy,and,as[o National City Bank,
breach of fiduciar} duty;and,according to[he complaint,an award for punitive damages
notto exceed$1 I.2 million.
This case stems from the FTCs 1986 case against Minneapolis coin dealer Wiliiam J.
L`Irich and his firm,Security Rare Coin& Bullion( �rrpuratiun,a leading nationwide
seller of coins for in�estmen�that was based in Minneapolis.The FTC filed its suit against
Ulrich and his firm on Dec.29, 1986,and sought consumer redress in excess of$20
million.
According to the complaint filed late yesterday,FTC stat�began investigating Ulrich in the
summer of 1986,and came to believe that he was selling his coins for three to four times
their true value while representing that they were low-risk,high-profit investments sold at
or near their market value.
During the fall of 1986 and the winter of 1987,the complaint states,Ulrich's auurn���,and
the bank knew that his"potential liabiliry in the FTC matter could equal tens of millions of
dollars."Yet,beginning in the fall of 1986 and continuing until May of last year,according
to the complaint,Ulrich conspired with,and was aided and abetted by,the law firm and the
bank"in an unlawful plan to remove,conceal,and protect�his assets from the reach of the
FTC."
This allegedly was accomplished through a series of fraudulent conveyances and other
unlawful transactions,which succeeded in making Ulrich virtually judgment proof,the
FTC charged.
According to the complaint,in the fall of 1986,Ulrich,with the assistance of the Larkin,
Hoffinan firm,allegedly attempted to place a substantial amount of his rare-coin holdings
into three identical trusts the firm had helped him set up for his daughters in 1985.
The complaint states that an attorney at Larkin,Hoffinan,worked with Ulrich to devise a
plan--which included backdating documents and altering them to remove creation-date
codes--to make it appear as if the coin holdings had been placed in the trusts prior to
Ulrich's knowledge of the FTC investigation.(Had this been the case,the FTC could not
have reached the trust-account holdings in its suit for consumer redress.)
Later,according to the complaint,an attorney at Lazkin,Hoffinan made numerous false
statements during a deposition and misled the court in an attidavit about when he believed
the gifts to the trust actually had been made.
Further,the complaint states,the National Ciry Bank of Minneapolis allegedly accepted a
position in April 1987 as corporate trustee of Ulrich's trusts despite the objection of several
bank�mple��c��who were concerned about Ulrich's legal problems and possible unlawful
motives for using the bank as trustee.
The"gifted"coins then were physically transferred to the National City Bank's vault.Then,
the FTC eharged,National City Bank and Ulrich agreed not to liquidate the coins,as
required by state law and federal banking regulations.
From June 1989 until April 1991,the FTC alleged,National City Bank substantially
assisted Ulrich in a scl�eme to shield assets from the FTC by giving him free rein to control
and liquidate the trust assets as he chose,in viola[ion of the bank's legal responsibilities.
The FTC alleged that the bank appointed Ulrich as its agent to liquidate the coins and
http://www.crimes-of-persuasion.com/players/ulrich_william.htm 12/5/2008
William J. Ulrich - Security Rare Coin and Bullion Corp Page 2 of 3
allowed him to remove the coins from the bank's vaults.
The complaint states that,although the coins at issue in these sales were estimated by the
bank to be worth upwards of several million dollars in 1987,the trust accounts received
only$266,000 from the sales.Ulrich aliegedly converted approximately$40Q000 of the
coin sale proceeds to his own use.Ulrich's free rein over the trust coins continued long
after it was clear to National Ciry Bank the value of the trust assets was being substantially
depleted,according to the complaint.
In a separate statement,concurring in part and dissenting in part,Commissioner Deborah
K.Owen stated,"The complaint in this matter pleads four causes of action.Based on the
evidence available,I concur in three counts,and dissent as to the count alleging
conspiracy.Because others may review the Commission's complaint for guidance in their
own efforts to comply with the law,1 would stress that the complaint should be read as a
whole....Certain ofthe individual actions alleged here might well be consistent with lawfiil
professional conduct,under different circumstances. However,given[he weight of the
evidence available. I was persuaded that a complaint with three counts should issue,based
on the totality of the alleged conduct."
MINNEAPOLIS LAW FIRM WILL TRANSFER$250,000 LIEN ON CLIENT'S HOUSE
AND PAY$35,000-03/93
The Minneapolis law firm of O'Connor&Hannan has agreed to transfer to the Federal
Trade Commission a$25Q000 lien it holds on a house once owned by a former client,and
to pay the FTC$35,000 in cash thereby avoiding a federal lawsuit in connection with its
representation of the former client,coin marketer William J.Ulrich.
The FTC also announced settlements with three coin dealers who will avoid federal
charges arising out of the FTCs claims that they conspired with,and aided and abetted
Ulrich to,defraud the agency out of collecting on an$11.2 million jadgmen[against
Ulrich.
The dollar amount reached under the settlement agreement with O'Connor&Hannan is
based on attorney's fees"Ulrich fraudulently paid O'Connor&Hannan to avoid his
anticipated obligations to the FTC,"according to the settlement document.O'Connor&
Hannan denies all claims and contentions asserted by the federal govemment.
Three other setdements also announced by the FTC today in connection with the Ulrich
case require coin dealers to turn over certain of their assets or make ceRain payments to the
Commission.The settlement agreements release the dealers from civil liabiliry arising from
the FTC's contentions against each of them that they conspired with and aided and abetted
Ulrich to defraud the FTC of its claims in the matter.The dealers deny the FTCs
contentions.The dealers are:
--Fred Lucas,a nationwide coin dealer whose principal place of business is in San Diego,
California,and who has assigned to the FTC his$94,380 security interest in Ulrich's house:
--Richard M1lelamed and his company.:�telamed Rare Coins,Inc.,a nationwide coin
dealer based in Costa Mesa,California,who have paid the FTC$10,000;and
--Wilbur'Vlontgomery Sims,a nationwide coin dealer based in Richmond,Virginia,who
has paid the FTC$8,000 in cash and has assigned the agency his$62,764 security interest
in the Ulrich house.
MINNEAPOLIS LAV1'FIR11 OF LARKI\,f10FFMA\TO PAY'$375,000 IN
CONNECTION WITH COI�-FRAI-D CASE-OS/94
The Minneapolis law firm of Larkin,Hoffman,Daly&Lindgren,Ltd.has agreed to pay
$375,000 over two years to set[le charges arising ou[of their representation of a former
client,eoin marketer William J. Ulrich.
The Federal Trade Commission obtained a judgment for$11,185,848 against Wiiliam J.
Ulrich,and his firm,Security Rare Coin and Bullion Corporation,in 1990.The judgment
remains largely unsatisfied."Che money was to be used for providing redress to Ulrich's
customers.
The judgment followed 1986 FTC charges that Ulrich and Security Rare Coin had been
selling coins for three to four times their true value while representing that the coins were
http://www.crimes-of-persuasion.com/players/ulrich_william.htm 12/5/2008
William J. Ulrich - Security Rare Coin and Bullion Corp Page 3 of 3
low-risk,high-profit investments sold at or near their market value.At the time,Security
Rare Coin was based in Minneapolis.
In December 1992,the FTC alleged in a civil suit that Larkin,Hoffman and the National
City Bank ofi Minneapolis assisted Ulrich to prevent the FTC from collecting on the
judgment through a series of fraudulent conveyances and other unlawful transactions
which succeeded in making Ulrich virtually judgment proof,the FTC charged at the time.
(Another Minnesota law tirm,O'Connor&Hannan,and three coin dealers avoided related
charges by signing settlements with the FTC that were announced in March 1993.Charges
against the bank remain pending.)
Under the settlement with Larkin,Hoffman,the tirm will make payments over two years,
and upon any default,the entire balance would become due.
NATIONAL CITY BA\K OF h1PLS AGREES TO PA�'5400,000- 10/94
The National City Bank of Minneapolis has agreed to pay approximately$400.000 to settle
chazges in connection with its oversight of trusts that were established by rare-coin
marketer William J.Ulrich.
Under its settlement with the FTC,National City Bank will pay$399,750,plus interest
from July l, 1994,to the FTC.The funds will be combined with others collected in the
case and,if practical,used to provide refunds to the customers of Securiry Rare Coin.
�i�.crimcs-oGpcauasion com ��Cnmcs of Pcrsuasion 2110U Lceal Dixlaimcr
http://www.crimes-of-persuasion.com/players/ulrich_william.htm 12/5/2008
FEDERAL TRADE COMMISSION, Appellee, v. SECURITY RARE COIN & BULLIO... Page 1 of 6
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May 2, 1991
United States Court of Appeals for the Eighth Circuit
FEDERAL TRADE COMMISSION, Appellee,
v.
SECURITY RARE COIN & BULLION CORP., a Minnesota
corporation, Central Coin Exchange, Inc., a Minnesota
corporation; William J. Ulrich; and Angela Corporation, a
Minnesota corporation, Appellants.
Cite as: FEDERAL TRADE COMMISSION, Appellee, v. SECURITY RARI hide
(AltLaw cannot guarantee this citation is correct—double checkl)
931 F.2d 1312
Show full citation
This case cites:
1989
• F.T.C.v. Amy Travel Service. Inc.
1988
• FTC v. World Travel Vacation Brokers, Inc.
. United States v. Hopkins Dodge Sales, Inc.
1982
http://www.altlaw.org/v 1/cases/477126 12/5/2008
FEDERAL TRADE COMMISSION, Appellee, v. SECURITY RARE COIN & BULLIO... Page 2 of 6
. FTC v. Singer, Inc.
1978
. Nelson v. Serwold
1960
. Mitchell v. Robert De Mario Jewelrv
1946
• Porter v. Wa_r_ner Holding Co•
(Only cases currently available in AltLaw are listed.)
Robert Brunig, Minneapolis, Minn., for appellants.
Melvin Orlans, F.T.C., Washington, D.C., for appellee.
Before LAY, Chief Judge, HEANEY, Senior Circuit Judge, and WOLLMAN, Circuit Judge.
WOLLMAN, Circuit Judge.
1
Security Rare Coin & Bullion Corporation, Central Coin Exchange, Inc., Angela Corporation, and William Ulrich
(collectively, Security Coin), entities that fraudulently marketed rare coins to consumers for investment purposes,
appeal from the district court's1 order that permanently enjoined Security Coin from making misrepresentations
concerning the value of coins offered for sale and its buy-back policy concerning those coins, and from the order
granting the monetary equivalent of rescission for customers that Security Coin deceived. We affirm.
I.
2
Security Coin was in the business of selling rare coins, a highly technical and specialized commodity unfamiliar to
most consumers. Security Coin marketed foreign and domestic coins through telephone solicitation, direct mail,
and advertisements in its own financial publications and in national newspapers. Security Coin represented its
coins as excellent low-risk investments sold at or near market value with superior liquidity and profit potential.
Security Coin sought to overcome consumer resistance and concern about risk by heavily promoting the
existence of a "buy-back" policy, under which it would repurchase coins at a discount from its current sales prices.
These promotions resulted in substantial sales of coins.
3
Security Coin graded the value of its own coins and arbitrarily marked up the price of the coins sold to consumers
two or three times the wholesale price. Because the coins would have to double or triple in value before any gain
could be realized, Security Coin's representations as to their investment value were fraudulent.
4
http://www.altlaw.org/v1/cases/477126 12/5/2008
FEDERAL TRADE COMMISSION, Appellee, v. SECURITY RARE COIN & BULLIO... Page 3 of 6
The FTC brought an action against Security Coin, alleging that its promotion and sale of coins as low-risk
investments during 1985 and 1986 violated section 5(a) of the Federal Trade Commission Act, 15 U.S.C. Sec. 45
(a). The suit sought a permanent injunction and other equitable relief under section 13(b) of the Act, 15 U.S.C.
Sec. 53(b). The district court concluded that Security Coin had violated section 5(a) of the Act by misrepresenting
that its coin prices reflected their market value, misrepresenting the true nature of its buy-back policy, and
misrepresenting the investment value of modern-date dimes, quarters, and half dollars and certain foreign gold
coins. The district court entered a permanent injunction against these business practices and awarded equitable
monetary relief.
II.
5
Security Coin argues several issues on appeal. First Security Coin contends that the district court does not have
the power to grant rescission under section 13(b) of the Act. Security Coin next argues that consumer reliance on
its buy-back policy was not pleaded by the FTC and should not have been a basis for the district court's decision.
Moreover, Security Coin argues that each customer's actual reliance must be proved before the customers can
recover any loss caused by Security Coin's deceptive trade practices.
6
Section 5(a)(1) of the Act, 15 U.S.C. Sec. 45(a)(1), prohibits"unfair or deceptive acts or practices in commerce."
To remedy violations of section 5(a), section 13(b) of the Act provides "[t]hat in proper cases the Commission may
seek, and after proper proof, the court may issue, a permanent injunction." Security Coin points to the language of
section 13(b) to support its contention that the district court did not have the power to grant equitable remedies
beyond injunctive relief. Security Coin refers to section 5(I ) of the Act, 15 U.S.C. Sec. 45(I ), which provides for
"other and further equitable relief," to show that when Congress wishes to authorize forms of equitable relief other
than an injunction, it knows how to do so.
7
The language of section 13(b) empowers the district court to grant a permanent injunction in a proper case.
Nothing in the wording of the statute expressly precludes ancillary equitable relief. Where Congress allows resort
to equity for the enforcement of a statute, all the inherent equitable powers of the district court are available for
the proper and complete exercise of the court's equitable jurisdiction, unless the statute explicitly, or"by a
necessary and inescapable inference," limits the scope of that jurisdiction. Porter v. Warner Holding Co., 328 U.S.
395, 397-98, 66 S.Ct. 1086, 1088-89, 90 L.Ed. 1332 (1946). See also Mitchell v. Robert DeMario Jewelry, Inc.,
361 U.S. 288, 291-92, 80 S.Ct. 332, 334-36, 4 L.Ed.2d 323 (1960). Applying this principle, several courts of
appeals have held that section 13(b) authorizes district courts to grant ancillary equitable relief in proper cases.
F.T.C. v. World Travel Vacation Brokers, Inc., 861 F.2d 1020, 1026 (7th Cir.1988) (the authority to grant
permanent injunctive relief also includes the authority to grant all other equitabie reliefl; F.T.C. v. United States Oil
& Gas Corp., 748 F.2d 1431, 1432, 1434 (11th Cir.1984) (Congress did not limit district court's inherent equitable
powers); F.T.C. v. H.N. Singer, Inc., 668 F.2d 1107, 1113 (9th Cir.1982) (Congress gave the district court
authority to grant any ancillary relief necessary to accomplish complete justice). Section 13(b) does not limit the
full exercise of the district court's inherent equitable power. Finding those decisions persuasive, we adopt their
http://www.altlaw.org/v1/cases/477126 12/5/2008
FEDERAL TRADE COMMISSION, Appellee, v. SECURITY RARE COIN & BULLIO... Page 4 of 6
reasoning and hold that section 13(b) empowers district courts to grant the type of ancillary equitable relief
entered by the district court in this case.
8
Security Coin argues that section 19 of the FTC Act, 15 U.S.C. Sec. 57b, is the only authorization for the FTC to
obtain consumer redress, and that our decision in United States v. Hopkins Dodge, Inc., 849 F.2d 311, 313 (8th
Cir.1988), requires a restrictive reading of the Act. Security Coin argues that we should not permit the FTC to
avoid complying with section 19(b)'s procedural requirements for obtaining consumer redress. If the district court
is allowed to award other equitable relief under section 13(b), Security Coin argues, section 19 will be rendered
superfluous.
9
We note that section 19(e) provides: "Remedies provided in this section are in addition to, and not in lieu of, any
other remedy or right of action provided by State or Federal law. Nothing in this section shall be construed to
affect any authority of the Commission under any other provision of law." There can be no inference from this
language that Congress intended in section 19 to restrict the broad equitable jurisdiction granted to the district
court by section 13(b). Our decision in Hopkins Dodge contains nothing that would require us to give section 13(b)
the restrictive reading urged by Security Coin. We held in Hopkins Dodge that the FTC could not seek civil
penalties under section 5(m)(1)(B) of the Act, 15 U.S.C. Sec. 45(m)(1)(B), until it had complied with the
requirements of that provision by first issuing a cease and desist order determining that the practices in question
were unfair or deceptive. Here, we consider the power of the district court, not the procedures that the FTC must
follow under certain sections of the Act. Hopkins Dodge does not require that the FTC proceed under section 19,
but merely constrains the FTC to follow the procedures of section 5(m)(1)(B)when seeking relief under that same
section.
10
We conclude that"[w]hen Congress entrusts to an equity court the enforcement of prohibitions contained in a
regulatory enactment, it must be taken to have acted cognizant of the historic power of equity to provide complete
relief in light of the statutory purposes." Mitchell v. Robert DeMario Jewelry, Inc., 361 U.S. at 291-92, 80 S.Ct. at
334-36. Accordingly, we hold that the district court had the power to grant the relief it did to those consumers
harmed by Security Coin's unfair and deceptive trade practices.
III.
11
Security Coin argues that the district court erred in premising its grant of consumer redress on Security Coin's
buy-back policy.
12
Security Coin points out that the FTC did not allege that Security Coin's buy-back policy was an unfair or
deceptive trade practice in violation of section 5(a) of the Act. Security Coin argues that because the FTC failed to
http://www.altlaw.org/v 1/cases/477126 12/5/2008
FEDERAL TRADE COMMISSION, Appellee, v. SECURITY RARE COIN & BULLIO... Page 5 of 6
state with particularity a circumstance constituting fraud as required by Federal Rule of Civil Procedure 9(b),
Security Coin was prejudiced by lack of notice of the fraud claim and the consequent lack of opportunity to offer
an adequate defense. We conclude that Security Coin's arguments are without merit.
13
Security Coin continued to advertise its buy-back policy after it had ceased to honor buy-back requests. As a
result, the district court held Security Coin in contempt of the preliminary injunction one and one half years before
trial. Security Coin fails to recognize that the issue was within the ambit of the FTC's pleadings, and that in any
event was tried by consent of the parties. Fed.R.Civ.P. 15(b). Moreover, the district court did not premise
consumer redress on misrepresentations of the buy-back policy alone, but on a host of false and misleading
statements that induced consumers to rely upon Security Coin's unfair and deceptive business.
IV.
14
Security Coin argues that the district court's award of consumer redress in the form of the monetary equivalent of
rescission was inappropriate because actual reliance on false and misleading statements was not proved for each
consumer who is to be reimbursed. Security Coin further argues that the monetary equivalent of rescission is an
inequitable remedy under the circumstances of this case.
15
To satisfy the reliance requirement in actions brought under section 13(b) of the Act, the FTC need merely show
that the misrepresentations or omissions were of a kind usually relied upon by reasonable and prudent persons,
that they were widely disseminated, and that the injured consumers actually purchased the defendants' products.
F.T.C. v. Amy Travel Service, Inc., 875 F.2d 564, 573 (7th Cir.1989); F.T.C. v. Kitco of Nevada, Inc., 612 F.Supp.
1282, 1293 (D.Minn.1985). Security Coin made credible and persuasive misrepresentations concerning the coins'
allegedly low prices, high profit potential, and low risk. These are key factors in a consumer's decision to purchase
coins for investment purposes. We agree with the district court and the FTC that it was reasonable for consumers
entering this specialized and technical market to rely on the representations of an apparently reputable firm
staffed by experts and specializing in such investments.
16
Security Coin relies on our decision in Vervaecke v. Chiles, Heider& Co., 578 F.2d 713 (8th Cir.1978) to argue
that proof of subjective reliance by each investor is required for recovery of the monetary equivalent of rescission.
We reject Security Coin's argument. It would be virtually impossible for the FTC to offer such proof, and to require
it would thwart and frustrate the public purposes of FTC action. This is not a private fraud action, but a
government action brought to deter unfair and deceptive trade practices and obtain restitution on behalf of a large
class of defrauded investors. It would be inconsistent with the statutory purpose for the court to require proof of
subjective reliance by each individual consumer. F.T.C. v. Kitco of Nevada, Inc., 612 F.Supp. at 1293.
17
http://www.altlaw.org/v 1/cases/477126 12/5/2008
FEDERAL TRADE COMMISSION, Appellee, v. SECURITY RARE COIN & BULLIO... Page 6 of 6
The district court has broad remedial discretion to grant an appropriate form of equitable relief under section 13(b)
of the Act. Where it is impossible or infeasible to return the specific property at issue, thus rendering true
rescission impossible, a money substitute may take the place of the specific property to be returned. Nelson v.
Serwold, 576 F.2d 1332, 1339 (9th Cir.1, cert. denied, 439 U.S. 970, 99 S.Ct. 464, 58 L.Ed.2d 431 (1978). The
monetary equivalent of rescission is the difference between the amount paid for the property and its current
market value. To adhere to the model of true rescission, where the property is returned on the judgment date, the
monetary value of the property should be determined as of the judgment date or the date of the disclosure of the
fraud. Here, Security Coin never acknowledged the fraud, thus the judgment date and the date of disclosure of
the fraud are effectively the same.
18
We agree with the district court that the monetary equivalent of rescission is appropriate in the present case
because Security Coin is out of business and some 9,000 consumers are entitled to relief. Contrary to Security
Coin's contention, it is unlikely that some customers might profit unfairly, either because they have already sold
their coins or because they will be permitted to retain coins that may increase in value, because the market for the
coins was essentially a product of Security Coin's own dealings and fell dramatically after Security Coin's
collapse. That Security Coin becomes an "insurer of the markeY' is an inherency of rescission, whether actual or
monetary, and to put Security Coin into this position is not inequitable. The innocent customers' losses exceed
Security Coin's gains, it may be true, but we conclude that restoration of the victims of Security Coin's con game
to the status quo ante was not an abuse of the district court's discretion.
19
The decision of the district court is affirmed.
1
The Honorable Robert G. Renner, United States District Judge for the District of Minnesota
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http://www.altlaw.org/v1/cases/477126 12/5/2008
People Search Mary Ulrich, MN Page 1 of 1
ULRICH MARYANGELA 56 PHOENIX,AZ ULRICH,WILLIAM J(age 60) � �
Associated names: BEWIDERE,IL ULRICH,ANGELA M(age 60)
ULRICH,MARY ANGELA TOWSON,MD ULRICH,BRIDGET M(age 24)
MINNEAPOLIS,MN ULRICH,MARTYANGELA
MARY ANGELA ULRICH MOUND,MN
WAYZATA,MN
ROCHELLE PARK,NJ
HUDSON,WI
http://www.usa-people-search.com/Find-Mary-Ulrich-MN.aspx 12/5/2008
Ex-con has links to coin-event firm But company, owned by wife, has clear record, no cus... Page 1 of 1
7he Milwaukee Journal Sentinel, November 21st, 1997
A Minnesota man convicted in 1991 of racketeering related to the
sale of gold coins has t.es to a company sponsoring an event in
which independent buyers are purchasing coins,jewelry, watches
and other items at a Wauwatosa hotel. William J. Ulrich, who
served about 31/2 years in prison, is a consultant to the firm,
Professional Estate Buyers Group, and husband of its owner,
Mary Ulrich. A company representative said William Ulrich's past
was irrelevant to a business that has conducted its affairs
honorably. Wiiliam Ulrich is not an owner and does no buying at
�on��.;�ar�y ���,�e����rs, according to th...
HiahBeam Research, Free Preview:_'_Ex-con has links to coin-
event firm But company,_owned_by wife has clear record, no
customer complaints'... Full Membershio reauired for unlimited
access. Free 7-d�trial.
http://www.bookrags.com/highbeam/eY-con-has-links-to-coin-event-firm-but-19971121-hb/ 12/5/2008
Hennepin County Property Map Print Page 1 of 1
Hennepin County Property Map - Tax Year: 2008
The data contained on this page is derivetl from a compllaUon of records and maps an0 may contain discrepancies that can only be disdosed by an accurate survey Derformed by a licensed
land surveyor.The perimeter and area(square footage and acres)are approzimates and may mntain discrepancies.The informa[ion on[his page should be usetl for referente purposes oniy.
Hennepin County does not guaran[ee the accuracy of ma[erial herein contained and is not responslble for any misuse or misrepresen[a[ion of this information or its deriva[ives.
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Selected Parcel Data Date Printed: 12/5/2008 11:02:56 AM
4. Parcel ID: 10-117-23-23-0003 Current Parcel Date: 12/3/2008
Owner Name: W J ULRICH &M A IILRICH
Parcel Address: 2280 FRENCH CRE:EK CIR,ORONO, MN 55391
Property Type: RESIDENTIAL Sale Price: $1,795,000.00
Homestead: NON-HOMESTEAD Sale Date: 10/2005
Area(sqft): 67071 Sale Code: OTHER-SEE CERT
Area(acres): 1.54
A-T-B:TORRENS
Market Total: $1,635,000.00
; Tax Total: $16,120.74
http://gis.co.hennepin.mn.us/HCPropertyMap/Locator.aspx?PID=1011723230003 12/5/2008
P100 Log Entry Page 1 of 1
TO: ORO-00005513 20081205 14 : 46 : 25 049D001589
FROM: A36MPQ42-13410226 20081205 14 : 46 : 25 049DOO1B42
NAM/ULRICH, WILLIAM JAMES . DOB/'. OLN/W28327100�13 .
SNM/2280 FRENCH CREEK CIR. CTY/ORONO . STA/MN. ZIP/55391�.�`��
*
LIC/PDJ341 . LIY/09 . LIT/PC. EXM/FEB. STK/J1035633 . VCO/WHT/WHT.
VIN/3GYFK66N55G157336 . VYR/05 . VMA/CADI . VMO/ESCALADE, 4DR WAGON.
*
LIC/KGD115 . LIY/09 . LIT/PC. EXM/MAR. STK/J1035630 . VCO/SIL/SIL.
VIN/JTJHA31U240004752 . VYR/04 . VMA/LEXS . VMO/5DR SEDAN.
*
LIC/YBAll86 . LIY/09 . LIT/TK. EXM/FEB. STK/J0446614 .
VIN/1GCJK33608F187572 . VYR/08 . VMA/CHEV. VMO/SILVERADO, CW.
*
LIC/YBAll85 . LIY/09 . LIT/TK. EXM/FEB. STK/J0446613 .
VIN/1GCJK336X8F187921 . VYR/08 . VMA/CHEV. VMO/SILVERADO, CW.
*
LIC/YBAll84 . LIY/09 . LIT/TK. EXM/FEB. STK/J0446612 .
VIN/1GCJK33678F189948 . VYR/08 . VMA/CHEV. VMO/SILVERADO, CW.
*
END REGISTERED VEHICLES
https://portalwcb.x.state.mn.us/Portal°/,20100/pspTop-2.asp?MsgText=<psp100Logon> <p... 12/5/2008
P 100 Log Entry Page 1 of 1
TO: ORO-00005514 20081205 14 :47 :43 049D00158A
FROM: A36MPQ42-13410236 20081205 14 : 47 :43 049DOO1B44
NAM/ULRICH,MARY ANGELA. DOB/�. OLN/W773223095017 .
SNM/2280 FRENCH CREEK CIR. CTY/WAYZATA. STA/MN. ZIP/55391 .
*
LIC/YAS5878 . LIY/06 . LIT/TK. EXM/FEB . STK/F0141493 .
VIN/1FDWW37P95EC06145 . VYR/05 . VMA/FORD. VMO/DRW SUPER DUTY, CREW
CHASSIS .
*
LIC/YAV2902 . LIY/06 . LIT/TK. EXM/FEB. STK/F0149250 .
VIN/1FTWW33P05ED04944 . VYR/05 . VMA/FORD. VMO/DRW SUPER DUTY, CW.
*
LIC/KGD133 . LIY/09 . LIT/PC. EXM/MAR. STK/J1035629 . VCO/BLK.
VIN/JTJHA31U240003231 . VYR/04 . VMA/LEXS . VMO/RX300, 4DR SEDAN.
*
LIC/UYR335 . LIY/09 . LIT/PC . EXM/FEB. STK/J1035631 .
VIN/JTJBT20X570134809 . VYR/07 . VMA/LEXS . VMO/GX470 , 4DR WAGO�T.
*
LIC/CYT2961 . LIY/09 . LIT/TL. EXM/FEB. STK/J1035628 .
VIN/5NHUCCD395N043886 . VYR/05 . VMA/CNTN. VMO/TRL, CT .
*
LIC/YAW0887 . LIY/07 . LIT/TK. EXM/FEB. STK/G1412259 . VCO/GRY.
VIN/1GCJK33D96F205255 . VYR/06 . VMA/CHEV. VMO/SILVERADO, CW.
REGISTERED VEHICLES CONTINUED NEXT PAGE
https://portal�veb.x.state.���n.us/Portal%20100/pspTop-2.asp?Ms�Text=<psp100Logon> <p... 12/5/200g
P100 Log Entry Page 1 of 1
TO : ORO-00005515 20081205 14 : 47 : 43 049D00158B
FROM: A36MPQ42-13410237 20081205 14 : 47 : 43 049DOO1B44
NAM/ULRICH,MARY ANGELA. DOB/ OLN/W773223095017 .
SNM/2280 FRENCH CREEK CIR. CTY WAYZATA. STA/MN. ZIP/55391 .
*
LIC/JCX600 . LIY/09 . LIT/PC. EXM/FEB . STK/J1035632 . VCO/WHT.
VIN/1FMCU04142KC61963 . VYR/02 . VMA/FORD. VMO/ESCAPE, 4DR WAGON.
*
LIC/CYT2960 . LIY/09 . LIT/TL. EXM/FEB. STK/J1035627 .
VIN/4X4TCCH304N035242 . VYR/04 . VMA/CONT. VMO/TL.
*
LIC/YAW0881 . LIY/08 . LIT/TK. EXM/FEB . STK/402033 .
VIN/1GCJK33D06F206455 . VYR/06 . VMA/CHEV. VMO/SILVERADO, CW.
*
*
*
END REGISTERED VEHICLES
https://portalweb.�.state.mn.us/Portal%20100/pspTop-2.asp?MsgText=<psp]OOLo�on> <p... 12/5/2008
Motor Vehicle Printable Display Page 1 of 1
Motor Vehicle Query 12/5/2008 10:12:44 AM kher5147 Station: 5147 Deputy:
Title Printed Suspense Liens Flags Files
L02508171 Y N
Plate Number VIN Expire Date Sticker Number Reg. Taa
CTT2960 (793) DPSMN831793 02 09 J1582487 8.00
Year Make Model Style Color Class
1984 HMDE TR 26
Transfer Date Last Trans First Sale Base Odometer Reissue YR
Ol 15 88 R 06 16 08 004500
Owner DOB ID
MUGAAS MILO KENT M220603465070
Street City State Zip
31079 275TH AVE ERHARD 56 56534
PLATE DATA
Plate Yr Class Weight Issued By Updated Allocated
81 CT ALEXANDRIA 039 (NA) 03/06/85
STICKER DATA
Sticker Yr Class Weight Issued By # Updated Allocated
09 DY FERGUS FALLS Ol l 06/16/08 02/29/08
l�ttps://dvslesupport.or�/dvsinfo/VH2ONH2OPl-intasp?Platc=ctt2960KVIN}�uil=&Title= 12/5/?008
Motor Vehicle Printable Display Page 1 of 1
Motor Vehicle Query 12/5/2008 10:12:27 AM kher5147 Station: 5147 Deputy:
Title Printed Suspense Liens Flags Files
H2260T952 Y N
Plate Number VIN Expire Date Sticker Number Reg. Tax
CYT2961 (886) SNHUCCD395N043886 02 09 J1035628 190.00
Year Make Model Style Color Class
2005 CNTN TRL CT 26
Transfer Date Last Trans First Sale Base Odometer Reissue YR
R 02 20 08 O6 22 2005 021000 0000000
Owner DOB ID
ULRICH MARY ANGELA U462587067057
Street City State Zip
2280 FRENCH CREEK CIR WAYZATA 27 55391
PLATE DATA
Plate Yr Class Weight Issued By Updated Allocated
81 CT WAYZATA 126 12/09/OS 08/09/OS
STICKER DATA
Sticker Yr Class Weight Issued By # Updated Allocated
09 DY WAYZATA 126 02/20/08 12/14/07
https://dvslesti}���ort.or�/dvsi�Ifo/VII20/VH2OPrint.asp?Platc=cyt2961&VINF�il1=&Titic= 12/5/2008
Motor Vehicle Printable Display Page 1 of 1
Motor Vehicle Query 12/5/2008 10:12:58 AM kher5147 Station: 5147 Deputy:
Title Printed Suspense Liens Flags Files
J2560U263 Y N
Plate Number VIN Expire Date Sticker Number Reg. Tas
NCZ054 (820) 3D7KU26DX4G241820 OS 09 J2034714 99.00
Year Make Model Style Color Class
2004 DODG RPC PK BLK BLK 10
Transfer Date Last Trans First Sale Base Odometer Reissue YR
O1 24 06 R OS 06 08 06 30 2004 027655 0062060 11
Owner DOB ID
VANANDA ERICK DANIEL V553234135189
Street City State Zip
105 N ELIOT AVE #7 RUSH CITY 13 55069
SECURED PARTIES
Secured Party # 1 Date
MINNCO CREDIT LJNION 07 17 06
Street City State Zip
235 W FIRST AVE CAMBRIDGE MN 55008
PLATE DATA
Plate Yr Class Weight Issued By Updated Allocated
97 P CAMBRIDGE 090 09/24/04 07/O1/04
STICKER DATA
Sticker Yr Class Weight Issued By # Updated Allocated
09 DY CAMBRIDGE 090 OS/06/08 03/12/08
htt��s://dvslesupport.org/dvsi�lfo/VF�2�/VH2OPrint.as��''Plate=nc�054&VINFu11=&Title= ]2/5/2008
Motor Vehicle Printable Display Page 1 of 1
Motor Vehicle Query 12/5/2008 10:13:16 AM klier5147 Station: 5147 Deputy:
Title Printed Suspense Liens Flags Files
J3100T892 Y N
Plate Number VIN Espire Date Sticker Number Reg. Tas
PKG768 (689) 1B7HF16ZSWS517689 03 09 J1216546 35.00
Year Make Model Style Color Class
1998 DODG RPC PK 10
Transfer Date Last Trans First Sale Base Odometer Reissue YR
09 08 OS R 04 14 08 020455 12
Owner DOB ID
HARRISON RICHARD CLAYTON H625738119381
Street City State Zip
4239 15TH AVE SOUTH MINNEAPOLIS 27 55417
PLATE DATA
Plate Yr Class Weight Issued By Updated Allocated
97 P INTERNET RENEWAL 190 03/22/OS 02/02/OS
STICKER DATA
Sticl:er Yr Class Weight Issued By # Updated Allocated
09 DY RIDGEDALE 153 04/14/08 12/17/07
1�ttpsJ/dvslcsupport.org/dvsinfoNH2��'VH2OPrint.asp?Plate=pkg768&VINFli11=&Title= 12/5/200�
Motor Vehicle Printable Display Page 1 of 1
Motor Vehicle Query 12/5/2008 10:11:25 AM kher5147 Station: 5147 Deputy:
Title Printed Suspense Liens Flags Files
J3100T892 Y N
Plate Number VIN Expire Date Sticker Number Reg. Tax
PKG768 (689) 1B7HF16ZSWS517689 03 09 J1216546 35.00
Year Make Model Style Color Class
1998 DODG RPC PK 10
Transfer Date Last Trans First Sale Base Odometer Reissue YR
09 08 OS R 04 14 08 020455 12
Owner DOB ID
HARRISON RICHARD CLAYTON H625738119381
Street City State Zip
4239 15TH AVE SOUTH MINNEAPOLIS 27 55417
PLATE DATA
Plate Yr Class Weight Issued By Updated Allocated
97 P INTERNET RENEWAL 190 03/22/OS 02/02/OS
STICKER DATA
Sticker Yr Class Weight Issued By # Updated Allocated
09 DY RIDGEDALE 153 04/14/08 12/17/07
lltt��sJ/dvslesu��port.orgidvsinfo/VH2O/VlT?OP1-int.asp?Plate=-}�1:g76�&VINFu11=�Title= 12/5/20��
Motor Vehicle Printable Display Pa�e 1 of 1
Motor Vehicle Query 12/5/2008 10:12:06 AM kher5147 Station: 5147 Deputy:
Title Printed Suspense Liens Flags Files
L02508171 Y N
Plate Number VIN E�pire Date Sticker Number Reg. Ta�
CTT2960 (793) DPSMN831793 02 09 J1582487 8.00
Year Make Model Style Color Class
1984 HMDE TR 26
Transfer Date Last Trans First Sale Base Odometer Reissue YR
O1 15 88 R 06 16 08 004500
Owner DOB ID
MUGAAS MILO KENT M220603465070
Street City State Zip
31079 275TH AVE ERHARD 56 56534
PLATE DATA
Plate Yr Class Weight Issued By Updated Allocated
81 CT ALEXANDRIA 039 (NA) 03/06/85
STICKER DATA
Sticker Yr Class �Veight Issued By # Updated Allocated
09 DY FERGUS FALLS 011 06/16/08 02/29/08
�� ' �� �' �2���
https://dvslesupport.org/dvsinfoNH2O/VH2OPrint.asp?Plate=ctt29C0&VINFul1=&Title= l2/5/2008