Surro Connections Fraud Case: Owners Indicted — What Intended Parents and Surrogates Need to Know

In late August 2026, federal prosecutors announced fraud charges against the people behind Surro Connections, a Washington-based surrogacy agency that collapsed and left families and surrogates stranded. For anyone considering surrogacy, it is a sobering lesson about where your money actually sits — and who is protecting it.

What Prosecutors Allege

The FBI's San Francisco field office and the U.S. Attorney's Office for the Northern District of California announced an indictment against three Washington residents: Megan Hall-Greenberg, 49, and Jeffrey Greenberg, 45, of Washougal, and Heather Morgan, 47, of Camas. All three are charged with wire fraud and conspiracy to commit wire fraud; Hall-Greenberg and Greenberg also face money laundering and conspiracy charges.

Prosecutors allege they misappropriated millions of dollars that clients had entrusted to the agency, and concealed it from the intended parents and surrogates who were relying on those funds. An indictment is an accusation, not a conviction, and all three are presumed innocent unless and until proven guilty.

How the Alleged Scheme Worked

Surro Connections collected and held funds — often more than $100,000 per client — meant to cover the real costs of a surrogacy journey: legal fees, medical bills, surrogate compensation, travel, and more. According to the indictment, the escrow account that was supposed to safeguard that money was essentially empty. Prosecutors allege the defendants tried to keep the company afloat and hide the shortfall using more than $4.7 million in high-interest loans, incoming client payments, and credit cards.

On December 5, 2025, the agency's owner emailed clients, surrogates, and staff that the company was ceasing operations. The abrupt shutdown left intended parents and surrogates without their money — and, in many cases, without a clear path to the family they had been working toward.

Why This Keeps Happening — and How to Protect Yourself

This is not the first surrogacy escrow collapse, and it points to the single most important financial safeguard in any journey: your money should never sit with the agency itself. It belongs in a neutral, independent, third-party escrow account managed by a licensed escrow agent — someone with no stake in whether the agency survives. Our guide to how surrogacy escrow works explains the mechanics in plain language.

Before you hand any agency a dollar, ask:

• Who actually holds the funds — the agency, or a separate, licensed third-party escrow company?
• Can I see the escrow agreement, and is the escrow agent licensed and bonded?
• Exactly how and when are funds disbursed, and who authorizes it?
• Do I have my own independent attorney reviewing all of it?

If an agency is vague about where the money lives, treat that as the reddest of flags. This applies whether you're an intended parent building your surrogacy budget or a surrogate counting on compensation that's supposed to be secured before your journey begins.

At On Fertility Ground, every dollar is funded through a neutral third-party escrow account before a journey begins — you never wait on anyone's goodwill, and the money is protected no matter what happens to the agency. Want a simple way to pressure-test any agency on this? Ask us for our free vetting checklist, or book a no-pressure consultation.

Sources

• NBC News — Surrogacy agency owners charged with using client funds
• Townhall / The Center Square — Surrogacy agency trio indicted
• Charges announced by FBI San Francisco and the U.S. Attorney's Office, Northern District of California, August 2026.