According to FINRA, Christopher Stephen Perrillo was fined $5,000 and suspended for three months for willfully failing to amend his Form U4 to disclose four reportable financial events. Perrillo learned of two unsatisfied liens totaling $9,525.11 through FINRA correspondence but never amended his Form U4. He also learned of a $355,014 civil judgment that remained outstanding for 21 months but never disclosed it. Additionally, Perrillo never amended his Form U4 to disclose a bankruptcy petition. Form U4 disclosures are critical for investor protection, allowing customers to research financial problems that may create incentives for misconduct. Willful failures to maintain accurate registration demonstrate contempt for regulatory requirements.