Matt Ryan (@Matt_Ryan04) header
Matt Ryan (@Matt_Ryan04) profile picture

Current player for Roma Maxima | Founder of Willow Lake Capital

New York, USA
Joined March 2012
Matt Ryan retweeted
Charlie was murdered in the middle of a debate with people who hate him while wearing a shirt that said "freedom." He died defending Chappelle's right to be offensive. And Chappelle thanks him by reveling in his death. But as offensive as that is, none of us who knew and loved Charlie want Chappelle to suffer the same fate. We don't want Chappelle dead, and we wouldn't "feel better" if someone murdered him. That's not how we respond to speech that offends us because we're not bloodthirsty lunatics. If you're laughing about Charlie's murder, or feeling good about Charlie's murder, you're acting within your rights. You're free to be sadistic. But that's exactly what you are. Your soul is sick. The only thing I wish for you is that you'd come to realize it — before it's too late — and beg for God's forgiveness.
“Ever since that guy Charlie Kirk got murdered, and I shouldn’t say this publicly but…. I feel better.” - Dave Chappelle
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Matt Ryan retweeted
Shame, shame, shame on Chappelle
When Dave Chappelle was attacked on stage, Charlie stood up for him. After Charlie was murdered in an act of political violence himself, Chappelle is joking about it.
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Matt Ryan retweeted
I genuinely don't get how over 100 Christians can be massacred by Islamists in the past week alone and nobody seems to care.
BREAKING: Islamists have attacked another Christian village in Ethiopia, slaughtering 50 innocent people. Last week, Islamists massacred 60 Christians in a different region in Ethiopia. Where is the outrage?
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These are among the most influential liberals in America today, and their party now runs a significant portion of the country.
Jennifer Welch and Angie Sullivan laugh hysterically at the idea of digging up Charlie Kirk’s corpse and murdering him again. Just when you thought these two "ladies" couldn't get more vile and disgusting.
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It is. Rubio has said exactly this as well. I even communicated it on my show - but people just don't believe it.
Wow. Senator John Kennedy. How is this not everywhere. Seriously. This is insane. Listen to what he’s actually saying.
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Its not an exaggeration to say thousands of Americans will die of fentanyl overdoses because of this.
Texas Gov-Elect Hinojosa likely will pull most or all of Texas state police, Texas National Guard, and intelligence assets from the 1,200-mile Texas-Mexico border if she still believes her past policy positions. Today, Texas provides an important second line of defense backing up Border Patrol. Trump will need to compensate but should be able to hold the line against runners and drug smugglers. But in two years when he’s gone? Also don’t expect Texas cooperation with ICE to make arrests in a state with the second highest illegal alien population in the nation.
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Matt Ryan retweeted
I think it’s safe to assume the President receives better intel than any of us. There was a genuine (and likely true) belief that Iran would have nuclear weapons if we didn’t act. He knew the political risk. He knew the consequences were even likely. He did it anyway, and said he’d do it again. Respect. 🫡 🇺🇸
If you were one of the people saying "this war is going to be politically catastrophic, it's going to be seen as a betrayal by the base, Trump made a huge mistake going in" you should feel vindicated today But if you were one of the people saying "this war is substantively catastrophic! Tens of thousands of Americans will die! You should go vote for Democrats to punish Trump!" you should recognize that you were hurting, not helping - and nothing about the political fallout vindicates your analysis
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Matt Ryan retweeted
And you thought you were voting against war.
What Congress must do on January 3rd: - Resume aid to Ukraine. - Kill Trump's tariffs and reclaim tariff power. - Defund the Iran war. - Rein in emergency powers. - Investigate and defund ICE. - Investigate administration corruption. - Confirm ZERO Trump judicial nominees.
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Matt Ryan retweeted
History was made last night. For months, we were saying that 2026 was the most consequential midterm election of our lifetimes. Unfortunately, we were right. Sometimes history is to be celebrated; other times, it is to be mourned. Always, it must be reckoned with. 2026 was not simply a blue wave; it was a blue tsunami. It was an ass kicking. It was not simply a bad 2006 midterm election. It was a Watergate-level repudiation. What happened, and why? What are the consequences, and where on earth do we go from here? When all the votes were counted, the problem wasn’t turnout. Instead, our voters, Republicans, Libertarians, Independents, showed up and voted, and rejected our candidates, voting Democrat instead. We’ve lost the House. We’ve lost the Senate. When all is said and done, we will have lost eight to 10 Senate seats. We lost in historically red states, like South Carolina and North Carolina, Kansas and Iowa. We lost in purple states, like Michigan, and New Hampshire, and Georgia. And we just barely won by just a single point in bright red states like Florida and Louisiana, and then there’s Texas. Nowhere are the consequences of this election greater than Texas. In the Lone Star State, we lost every single statewide election. For weeks, I had been publicly warning on this podcast that we were in very real danger of losing everything in Texas. Far too few believed that was possible. I am very, very sorry that it came to pass. Texas has not had a Democrat governor since 1994. We haven’t had a Democrat senator since 1993. Now we’ll have both. Why were the results so overwhelming? Pundits and analysts will break down the results for weeks or months or even years to come, but several things are already evident today. Years ago, the very best political advice I ever got was from Heidi. She said, “It’s not about you. It’s about them. It’s about their kids, their families, their hopes, their dreams, their futures.” Too many politicians forget that. Take the state of Kansas, for example, a state that has not elected a Democrat senator since 1932. It just did. Here’s what exit polling showed were the top issues in Kansas. Number one, cost of living, energy, and groceries. That was listed as number one by 30.6 percent of voters. Corruption. Number two, 18.5%. The cost of the Iran war, 10.1%. The candidates are terrible, 7.9%. The Canada trade war, 7.6%. The GOP didn’t do enough to support Trump, 6.6%. Republicans didn’t pass the Save America Act, 5.6%. Trump’s focus on monuments, 5.5%, and data centers and AI, 3.8%. The top issue, cost of living, is very real. Too many in politics dismissed it. They didn’t understand. They pointed to the macro numbers showing the stock markets soaring, median income at record highs, and poverty at record lows. Those data are true, but they don’t tell all of the story. Here are some stats that are a lot more real and personal. Spam, Hormel’s processed meat substitute, broke record sales, selling 113 million cans last year. That is nearly as much spam as was sold during the entirety of World War II. 29 percent of Americans have used buy now, pay later for groceries this year. That’s double the share just two years ago. In August, banks repossessed 42% more homes than they did last year. In 2024, car repossessions topped 2.3 million, above the 2009 peak in the middle of the Great Financial Crisis. In 2025, 6% of 401k holders took hardship withdrawals, paying penalties. That is a record, and triple the norm. And here’s one that’s really stunning. Americans made more than 75 million paid plasma donations in 2026. That’s another record. That means 200,000 Americans every single day, with a needle in their arm, just to pay for groceries. That is very real pain from real Americans, and too many Republican politicians seem like they didn’t understand or they didn’t care. Food is too high, gas is too high, diesel is too high, insurance is too high, life is too high. Tariffs have made everything too expensive, and the Iran war has dragged on too long. It should have been brief, decisive, and over. It needs to end, and we should never, under any circumstances, give the Ayatollah billions of dollars. There’s a very real economic disconnect. Our K-shaped economy is a yawning divide. Last year, we saw the world’s very first trillionaire, a modern-day Thomas Edison, at the very same time that millions were struggling to feed their families. Data centers being constructed were turning billionaires into centibillionaires, while simultaneously the average American’s electricity bill went up 30% in the last five years. Understandably, people were pissed off, and elected Republicans didn’t do enough to address their very real pain. So, what do we do now? We need to listen and respond. We need to champion economic policies that make a real difference in working people’s lives, and we need to deal with the consequences. Texas is blue. That is a hard sentence to utter. But Texas, today at least, is blue. As we sit here today, I am the only statewide elected Republican who remains in Texas. That’s not something I ever thought I would say. We can be certain that the Democrats in Austin and in Washington will overshoot. In Texas, they will try to raise taxes dramatically. They may even try to adopt a state income tax, or even a California wealth tax. They will try to shut down the energy industry, destroying jobs across our state. They will embrace the radical transgender agenda. They will persecute those they perceive to be enemies, especially Elon Musk. And in Washington, they will attack Trump every single day, constantly. Impeachment hearings, subpoenas, his family, cabinet members, business leaders, open persecution, and nonstop retaliation. Make no mistake. Nationally, the radicals are in charge. The communists and the Islamists who have taken over the Democrat Party have now taken over the United States Congress. They will be unleashed. Sadly, that means many Americans will be hurt. Texans will be hurt. Their assault on business will make Texas a much less attractive place to start or grow a small business. Texas will become more like California if they succeed in halting all new investment into AI. The economic results will be dramatic. Over $700 billion in new projects are scheduled to start in the next year. If the Democrats shut them all down, our country will very likely go into a recession. That will suit the Democrats just fine. They’ll just blame it all on Donald Trump. In the next two years, we need to do two things. One, fight the madness. I will work with Democrats when they’re willing to be reasonable. Last night, I called James Talarico. I congratulated him on his very impressive victory. It was a pleasant conversation, and I told him that I looked forward to working with him to try to benefit Texas. So, if there are things like flood relief for the Hill Country, or trying to get the space academy to Texas, he and I will work together. But if the newly elected radicals push policies that hurt Texas, raising taxes, destroying jobs, opening the border, releasing violent criminals, threatening our children, undermining our constitutional rights, I will fight with all of my strength to defend Texas and to defend the Constitution. And number two, we need to rebuild, getting behind policies that directly benefit the constituents we lost. There’s a complicated story, no doubt, of what happened on Election Day, but as I see it, the key constituencies we lost were blue-collar voters, what had rightly become the core base of our party, Evangelical Christians, who didn’t show up with the same numbers and fervor as prior elections, farmers and ranchers. Tragically, we alienated rural America. Young people, who excitedly had voted Republican in 2024, and who shifted hard blue this cycle. And of course, Hispanics. For Hispanics, there’s a strong overlap with young people and blue-collar workers. In 2024, just two years ago, I was proud to carry Hispanics statewide in Texas by six points, and we swung the Rio Grande Valley red for the first time in a century. It can be done, but in this election, those Hispanic voters overwhelmingly went back Democrat. We have got to turn that around. And for young people, we need to be the party of the future. We need to champion policies that expand their future. Our two single biggest legislative accomplishments of the past two years, Trump Accounts and the school choice tax credit, which will unleash tens of billions of dollars in new scholarships for kids, are generationally powerful. I was proud to author both of those transformational policies, and yet too few candidates all across the country ran on that record. Too few voters were even aware of what we’d accomplished for their kids and their future. But we need to build. We need to expand to continue creating a new investor class for hundreds of millions of Americans, help everyone, every American, become an owner, to have real skin in the game, to create new generations of capitalists ready to reject socialism. People voted as they did because they were angry. Ironically, the Democrats that they elected are going to advance policies that will make affordability worse. The Democrats want gas prices higher. They want to ban gasoline engines altogether. Their extreme environmental mandates will drive up food prices and the prices of everything else. But hear me now: we will bring Texas back. I am filled with hope and optimism. Texas will be red again. We have not suddenly become a bunch of tofu-eating, gun-banning, tutu-wearing pinko commie liberals. That ain’t us. Texas is still Texas. We will rebuild as a true blue-collar party, not by embracing socialism, but by being real free-market conservatives. The way we built the Texas economic miracle in the first place, and we will build and rebuild America as well. When the zealots overreach, and they will, we will stand ready to lead in the direction of freedom, of prosperity, of safety, and security, and common sense. We will return to a new dawn of freedom in America. It is dark right now, but it is always darkest before the dawn, and morning is coming. That is my fervent prayer, and that is my commitment to you.
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Matt Ryan retweeted
Regardless of what anyone thinks of the Iran war, a president saying he would do what he thinks is right for the country regardless of short term political fallout is very refreshing.
.@POTUS: "I think it's largely true because it drove the gasoline up... At the same time, if I had to do it again, I'd have to do it again because long-term, it's the only answer. You can't let Iran have a nuclear weapon."
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Matt Ryan retweeted
Understand the implications of what happened in Texas last night. Gina Hinojosa has called on Gov. Abbott to end state & local cooperation with ICE & she can order that on day one. Hinojosa voted against the 2017 SB 4 as a TX state rep. The bill was essentially a sanctuary cities ban and required TX law enforcement to cooperate with ICE detainers. She then voted against another SB 4 in 2023, which made it a state crime to cross illegally into Texas. Should there be another border crisis in coming years, there will likely be no resistance from Texas at the border. No Texas DPS, no TX National Guard, no razor wire or water buoys, and no Operation Lone Star, which Hinojosa called a “dog and pony show” and “political theater”. Remember when 15,000 Haitians surged illegally into Del Rio, TX in 2021 under the international bridge? That was only stopped because Texas DPS responded on Abbott’s orders and physically blocked further crossings by lining up their cruisers to form a wall. The Biden Border Patrol was caught off guard and offered almost no resistance, except for some horseback agents who were falsely slandered for “whipping”. Additionally, because Republicans failed to pass any legislation codifying President Trump’s border security measures, if Dems take the White House in 2028, that Dem president could, if he/she wants to, reverse every single Trump border security policy immediately upon taking office because they were all done at the executive level, and they can order Border Patrol to go back to a passive catch & release policy like we saw under Biden.
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Stop lying. These were the first tweets from elected Democrats following the election.
Jeffries: "I haven't had a single member of the House Democratic caucus talk to me about impeachment. We've been relentlessly focused on affordability and accountability."
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Matt Ryan retweeted
Last night is exactly why no President has dealt with Iran before now We don't reward Presidents for acting in the best long-term interest of the country We reward them for avoiding difficult decisions if it means we don't have to make any sacrifices during any given 2yr period
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Matt Ryan retweeted
One of the things the data analysts on our side obsessed over was "composition"—whether the electorate looked close enough to 2024 for Republicans to win. And despite polls that showed a Democrat blowout, the data kept on telling us the same story: in some states turnout was merely OK, in other states it was downright amazing, and in no state was it catastrophic. There was a genuine sense of optimism on our team: our people were showing up. So, I asked the smartest data guy I know, does that mean we're going to shock the world? "No," he told me. "We might do better than the polls suggest. But the data is telling us that a lot of Trump/Vance 2024 voters are pissed and planning to vote for the other guys. Our voters are turning out, but they may not vote for us." Well, that looks prophetic now. Our voters did show up. In Florida, for example, the electorate was 9 points more Republican than Democrat, just a couple points worse than 2024. Undoubtedly there were places we could have done better on turnout. But the main problem is not turnout. The main problem is that many people who voted for Trump/Vance in 2024 voted for Democrats in 2026. There will be a lot of infighting and arguing over what happened and why that is. One of the pollsters I really respect told me that our economic messaging wasn’t sharp enough down the stretch. I’m sure that’s true. But the real reason we lost is obvious to almost everyone. Another pollster—one of the smartest people I know in politics, told me yesterday we’d lose the generic ballot by 13 points. I felt negative going into Tuesday, but even I was shocked by this. In his polling, he saw that a lot of Trump 2024 voters were angry and planning to vote for Democrats. He asked those voters who had abandoned us what would cause them to come back on our team. The top four answers, accounting for nearly all of the responses were: 1) End the war 2) Focus on cost of living/inflation 3) Put America First 4) Change our relationship to Israel Our voters showed up. And the above four reasons are why many of them voted for Democrats. This is according to a pollster who nailed the results. While many spent Monday attacking Rachel Campos Duffy for calling for a diplomatic resolution to the conflict, it turns out her political advice was sound. (She’s also a great person.) In the next few months, there's going to be a lot of gaslighting. Expect to hear any number of establishment politicians say the solution to our woes is amnesty. I'm open to the idea that we should change enforcement—by focusing more on businesses that hire illegal labor, for instance. But anyone pushing amnesty is lying to you. The reason we lost is the war. The president himself said so last night. If you'd like to argue it was worth it, that losing the Senate for the next 6 years was worth it, then do so. Argue it was a worthwhile cost to pay. Agree or disagree, that's at least honest. But everyone knows why we lost. And any honest conversation about where we go from here must start there. I remain hopeful about our country. To the people who are pissed off and want to say, “I told you so”: you’re right, you did tell us so. Take that energy into electing Republicans who share your worldview. To the people who are just pissed at the results, you should be. Let’s take that anger and get back to the work of saving our country.
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Oh, I thought your agenda was lowering gas prices and improving affordability.
Thank you, Mr. President. Our thank you will come in January - with subpoenas.
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Matt Ryan retweeted
🤨
Democrat Nominee for U.S. Senate in Michigan Abdul El-Sayed wants open borders and no deportations: “We as a country, I believe, owe it to the world to open our doors.” Get out and VOTE Republican against this.
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Matt Ryan retweeted
Russell Westbrook learning his jersey is being retired by OKC is the best thing you’ll see all day. (via @SuaveCEO_, h/t @Fullcourtpass)
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Matt Ryan retweeted
JUST IN: Elon Musk unveils the Tesla Roadster by launching it off a ramp before the car flipped in midair and safely landed on the ground. The car is a collaboration between Tesla and SpaceX. One of the most insane things I've ever seen.
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Matt Ryan retweeted
Bernie Sanders says the top 1% owns more than the bottom 93%, that fewer than a thousand billionaires got $2.2 trillion richer last year, and that it's "obscene." It's the most seductive and most wrong economic argument of our time. Let me explain why. First, wealth distribution follows a power law. Always. Everywhere. Books, music, startups, followers on X, goals in soccer. A small minority captures most of the value. That's not a bug of capitalism. It's the mathematical signature of every system where value gets created. So the only question that matters isn't "how big is the rich's slice?" It's "is the cake growing, and is the slice of the poorest growing with it?" And the answer is yes. In 1990, more than one human in three lived in extreme poverty. Today it's about one in ten. During exactly the period when billionaires multiplied. Bernie shows you the slice. He never shows you the cake. Second thing he won't tell you: past a certain level, wealth stops being consumption. It becomes capital allocation. Elon Musk isn't sleeping on a pile of cash. He owns stakes in Tesla, SpaceX, xAI. Jeff Bezos owns Amazon stock. That "$2.2 trillion" isn't sitting in a checking account. It's factories, rockets, data centers, millions of jobs. Nobody can eat $100 billion. You can only decide where to invest it. Once you understand that, the whole debate changes. The real question becomes: who allocates capital better? The people who built Amazon, SpaceX and Nvidia? Or politicians? A 5% wealth tax isn't "taking money from the rich." It's taking investment decisions away from people who proved they can create value and handing them to people who proved the opposite. Because the fundamental difference between an entrepreneur and a politician is consequences. The entrepreneur invests his own money. If he allocates badly, he loses everything. The market corrects him brutally, no appeal. That's why most startups die: the system kills bad decisions. The politician invests other people's money. If he allocates badly, nothing happens. Worse, he gets a bigger budget to "fix the problem." Milton Friedman put it better than anyone. There are four ways to spend money. Your money on yourself: you care about price and quality. Your money on others: you care about price. Others' money on yourself: you care about quality. Others' money on others: you care about nothing. Government is the fourth box. By design. Perfect example: California high-speed rail. Approved in 2008 for about $33 billion. Current estimated cost: over $100 billion. Passengers carried: zero. No entrepreneur would have survived that. The politicians who pushed it built careers on it. And when allocation has no consequences, it eventually finds a buyer. A politician who controls billions without accountability becomes the most profitable target in the world for anyone who wants to steer that money. The irony is that the left that rails against billionaires is itself funded by billionaires. George Soros is one of the biggest Democratic donors in history. The Gates Foundation shapes public health policy across the planet. Politicians don't fight billionaires. They pick their own. The ones who fund the state over the ones who compete with it. So if we actually want fewer poor people, we have to stop judging ideas by their intentions and start judging them by their results. And the results are brutally clear. China, 1978: Deng Xiaoping opens the economy to markets. More than 800 million people escape extreme poverty. The largest retreat of misery in human history. Not through redistribution. Through the freedom to build. India, 1991: liberalization. Same movie. South Korea and North Korea: same people, same language, same starting point in 1953. One became one of the most advanced economies on earth. The other has famines. Poland and Ukraine: comparable living standards in 1990. Today the average Pole is more than three times richer than the average Ukrainian. Argentina: a year and a half of liberalization, and the poverty rate falls from over 50% to around 30%. No country in history escaped poverty by punishing the people who build. Every single one did it by letting them build. And if you want to see what Bernie's program looks like in real life, you don't have to imagine it. It exists. It's called France. We've been running it for 45 years. Mass nationalizations in 1981. Two years later, Socialist president Mitterrand has to reverse course into austerity. Retirement at 60. The 35-hour workweek. A wealth tax for 35 years. Hundreds of wealthy households left every year for Belgium, Switzerland, London, taking their capital, their companies and their future taxes with them. Macron finally scrapped it in 2018. Hollande's 75% tax: raised a few hundred million, drove talent out, abandoned after two years. One of the highest tax burdens in the OECD. Public spending around 57% of GDP, a record in the developed world. Last balanced budget: 1974. Public debt: over €3.4 trillion. Mass unemployment for four decades. If taxing the rich and growing the state made people prosperous, France would be the richest country on the planet. It isn't. GDP per capita in France is barely more than half of America's. It's lower than Mississippi, the poorest state in the US. Not a single global tech giant. Our best engineers build Silicon Valley instead. I've been going back and forth between Paris and San Francisco for years. I see it every week. And California is about to replay the movie. Prop 40, on the ballot November 3rd, would take 5% of billionaires' net worth. Even Gavin Newsom, a Democratic governor, opposes it. The state's own nonpartisan budget analyst warns that income tax revenue could drop every year if the wealthy leave. Larry Page, Sergey Brin and Peter Thiel have reportedly already started moving their assets out. You don't fight poverty by shrinking the top. You fight it by growing the cake. Bernie wants a society where nobody has too much. I want a society where nobody has too little. The first has been tried everywhere and produces equality in stagnation. The second lifted a billion people out of misery. Choose.
The top 1% owns more wealth than the bottom 93%. 1 man owns more wealth than the bottom 53% of households. Less than a thousand billionaires got $2.2 trillion richer in the last year. Obscene. Yes. We need a 5% billionaire wealth tax in California and throughout America.
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Dear Secretary Bessent @SecScottBessent, My name is Everett Stern. In 2010 I was a compliance officer at @HSBC. From a back office in New Castle, Delaware, I watched billions of dollars move to drug cartels, sanctioned regimes, and terrorist organizations. The enemies of the United States. I documented it, I escalated it, and when the bank would not act, I took it to the @FBI, the @CIA, and eventually the @SECGov. The result was a $1.92 billion settlement. At the time, it was one of the largest in American history. It was also about five weeks of the bank’s profit. Not one banker was charged. Not one went to prison. I paid a different price. I lost my career, my savings, and my place in the industry I had trained for. I was blacklisted. Every door in American finance closed at once. I slept on a camping cot in a 300 square foot apartment because I could not afford a bed, and I waited tables at @PFChangs to eat. I tell you this not for sympathy, but so you understand that I know exactly what it costs to do the right thing in American finance, and exactly how little the system does in return. I made that sacrifice because I believed it would change something. Yesterday, your department fined @BankofAmerica $1.2 billion for failing to report more than $5 billion in suspicious transactions, some of it tied by your own findings to Chinese laundering networks, narcotics, and the southwest border, alongside 475 apparent sanctions violations touching Russia, Iran, and global terrorism. The bank admitted it willfully violated the Bank Secrecy Act. Fourteen years after HSBC. A bank with “America” in its name. And once again, not one individual charged. Secretary Bessent, I want to say plainly what I believe you already know. The fines are not working. A fine is paid by shareholders, absorbed by the balance sheet, and forgotten by the next earnings call. Bank of America reported earnings this morning. Nobody who set the alert thresholds, nobody who decided the 2024 cease and desist could wait, nobody who chose the backlog over the law will lose a single thing they value. Their lives are untouched. That is the entire reason the behavior repeats. This is money laundering. This is blood money. Money that reaches a cartel buys fentanyl that kills Americans. Money that reaches a terrorist organization buys the next attack. This country has fought a war on drugs and a war on terror for decades, at enormous cost in lives and treasure, and all the while we have allowed the financing to flow through institutions we charter and regulate. Cut off the money and we win. We have never seriously tried. There is also a question of equal justice that I cannot let go. Before I walked into the FBI building to report HSBC, I stopped in front of the Great Seal on the wall and read the words engraved beneath it: “Justice is the defense of our liberty.” I believed that. I still want to. But every day in this country, people go to prison for crimes that are nothing next to moving money for the people who want Americans dead. A suit, a title, and a corporate badge should not be a shield from the consequences that apply to everyone else. If a street dealer goes to prison for what he sells, the banker who moved the cartel’s money should be standing next to him. I also want to raise something that is rarely said in these conversations. Why has no one inside Bank of America come forward the way I did? The answer is that everyone in American banking knows what happened to me, and to the whistleblowers who came after. The last person who spoke up is the only policy anyone believes. That is a culture problem, and it starts with leadership, in the banks and in the agencies that regulate them. This is not a political issue. It has spanned administrations of both parties. It is a national security issue, and I am asking you to treat it as one. Three things would change the math overnight. Refer individuals for criminal prosecution. Not the analyst in the queue. The executives who set the thresholds and chose the risk. One banker in handcuffs would do more than every fine in Treasury’s history combined. End “too big to jail.” An institution cannot be too big to fail and too big to jail at the same time. If it is the first, it must be held to a higher standard, not a lower one. And if Bank of America will not act as America’s bank, review its charter. A national charter is a privilege granted on behalf of the American people. It should be conditioned on not moving money for the people trying to kill them. Secretary Bessent, you said yesterday that these actions send a clear message that even the biggest institutions are not above the law. With respect, the institution was never the problem. The people inside it are above the law, and they know it. Until that changes, I will keep writing letters like this one, and the next bank will keep paying the next fine. I gave up everything I had to stop this. I am asking you to use the power you have to finish it. Respectfully, Everett A. Stern HSBC Whistleblower Founder and Intelligence Director, Tactical Rabbit
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