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cover of episode Data Points: Cons, Schemes, & Fraud

Data Points: Cons, Schemes, & Fraud

2024/12/17
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Something Was Wrong

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#true crime#cybersecurity#cybersecurity#privacy awareness#ai skepticism People
播音员
主持著名true crime播客《Crime Junkie》的播音员和创始人。
Topics
@播音员 :2023年,美国联邦贸易委员会的数据显示,成年消费者报告因欺诈损失超过100亿美元,这是报告的欺诈相关损失首次达到如此高的金额。这其中包括各种类型的欺诈,例如身份盗窃、商业和投资欺诈、慈善和灾难欺诈、房产诈骗、抵押贷款欺诈、敲诈勒索、性敲诈、收养欺诈、加密货币投资欺诈、老年人欺诈、选举犯罪等等。此外,报告还显示,18至59岁的人比60岁及以上的老年人报告因欺诈损失金钱的可能性高出34%。年轻人更容易成为在线购物欺诈的受害者,而在线购物欺诈通常始于社交媒体上的广告。2021年至2023年,所有报告的欺诈中,通过互联网与诈骗者首次联系的受害者总共被骗取了近60亿美元,其中四分之一的受害者表示,这始于社交媒体,这些受害者报告的损失高达27亿美元。大多数欺诈实际上都没有被报告,这意味着这些数字实际上只是互联网和社交媒体时代常见骗局、计划和欺诈造成的损害的一小部分。 近年来,人工智能驱动的诈骗也越来越普遍,这些诈骗可以产生高度令人信服的电子邮件、电话和短信,甚至可以创建高质量的深度伪造视频,让受害者相信家人、爱人或雇主就在骗局的另一端。人工智能还可以让作案者能够伪造受害者肖像的图像、视频、声音或其他内容,并可能利用它来勒索其他受害者。 常见的诈骗还包括销售不存在的商品或服务,例如在线购买骗局,诈骗者可能会使用移动支付应用程序欺骗人们发送金钱或商品,却无法履行他们的承诺。 为了避免成为诈骗的受害者,消费者应该注意以下几点:保护个人信息,设置复杂的密码,不要轻易相信陌生人的请求,不要使用现金付款,多使用数字支付方式,警惕那些要求通过非常规方式付款的请求,例如电汇、加密货币或礼品卡。如果怀疑自己被骗,应立即向联邦贸易委员会或当地消费者事务部门举报。

Deep Dive

Key Insights

Why have fraud-related losses increased significantly in recent years?

Fraud-related losses reached $10 billion in 2023, a 14% increase over 2022, driven by the increasing use of artificial intelligence and the accessibility of committing fraud through the internet and social media.

What role does social media play in modern fraud?

Social media is the method of communication in 47% of fraud reported by 18-19 year olds, and one in four fraud victims who lost money in 2021-2023 said it started on social media, resulting in $2.7 billion in losses.

How does artificial intelligence contribute to fraud?

AI-powered scams create convincing emails, phone calls, and texts, and can produce deepfakes featuring celebrities or influential people to trick victims into investing or believing they are communicating with a trusted individual.

What are some common types of fraud?

Common types include identity theft, business and investment fraud, charity scams, property scams, mortgage fraud, extortion, sextortion, adoption fraud, cryptocurrency fraud, elder fraud, and election crimes.

Why are younger adults more likely to fall victim to certain types of fraud?

Younger adults (18-59) are 34% more likely to report losing money to fraud than older adults (60+), particularly to online shopping scams and job scams, often initiated through social media ads.

What steps can consumers take to avoid scams?

Consumers should keep personal information private, use complex passwords, avoid paying with cash, and be cautious about what they share online. They should also report suspected scams to authorities and use tools like the BBB Scam Risk Calculator.

How can victims of fraud recover and report incidents?

Victims can report fraud to the FTC at reportfraud.ftc.gov, contact the IRS Identity Protection Specialized Unit, and use resources from organizations like the Identity Theft Resource Center and Cybercrime Support Network.

What is the impact of fraud on victims?

Victims often feel dissatisfied with how fraud is addressed, as federal and state laws may not effectively deter consumer fraud. Many seek both civil and criminal charges for more comprehensive justice.

What are the legal criteria for federal fraud charges?

Fraud can be charged federally if it violates federal law, involves a federal agency, crosses state lines, uses the Postal Service or interstate communication, or benefits from a federal program.

How does the Better Business Bureau suggest avoiding fraud?

The BBB recommends working with local businesses, keeping personal information secure, being cautious online, and using digital payment methods with discretion to avoid scams.

Chapters
In 2023, over \$10 billion in fraud was reported to the FTC, a 14% increase from 2022. The FBI lists 18 common types, and younger adults (18-59) are more likely to fall victim to online shopping and job scams. Social media is a significant vector for fraud, accounting for \$2.7 billion in losses.
  • Over $10 billion in fraud reported to FTC in 2023
  • 18 common fraud types listed by FBI
  • Younger adults more susceptible to online shopping and job scams
  • Social media a major source of fraud, resulting in $2.7 billion in losses

Shownotes Transcript

Sources:

As Nationwide Fraud Losses Top $10 Billion in 2023, FTC Steps Up Efforts to Protect the Public. (2024, February 9). Federal Trade Commission. https://www.ftc.gov/news-events/news/press-releases/2024/02/nationwide-fraud-losses-top-10-billion-2023-ftc-steps-efforts-protect-public

BBB Tip: 10 steps to avoid scams. (2024, June 21). Better Business Bureau. https://www.bbb.org/article/tips/8767-bbb-tips-10-steps-to-avoid-scams

The Latest Scams You Need to Be Aware of in 2024, By DeNicola, L. (2023, December 30). https://www.experian.com/blogs/ask-experian/the-latest-scams-you-need-to-aware-of/

​​Empowering Fraud Fighters. (n.d.). Financial Industry Regulatory Authority Foundation. https://www.finrafoundation.org/networks-we-strengthen/fighting-fraud

Internet Crime Report 2023 by The Federal Bureau of Investigations. (2024). In Internet Crime Complaint Center. https://www.ic3.gov/Media/PDF/AnnualReport/2023_IC3Report.pdf

 National Center for Victims of Crime, Financial Crime Resource Center: https://victimsofcrime.org/financial-crime-resource-center/

 Financial Crimes Enforcement Network, FinCEN Resource Center:  https://www.fincen.gov/fincen-resource-center

Fletcher, E. (2023, October 6). Social Media. Federal Trade Commission. https://www.ftc.gov/news-events/data-visualizations/data-spotlight/2023/10/social-media-golden-goose-scammers

Identity Fraud Cost Americans $43 Billion in 2023. (2024, April 10). American Association of Retired People. https://www.aarp.org/money/scams-fraud/info-2024/identity-fraud-report.html

Is Fraud Always a Federal Crime? (2024, March 20). Stechschulte Nell. https://www.tpatrialattorneys.com/fraud-always-federal-crime/

Criminal Consumer Fraud, Must the Goals of Deterrence and Compensation Be Mutually Exclusive? By The American Journal of Criminal Law, Kirschner, N. M. (1979). https://www.ojp.gov/ncjrs/virtual-library/abstracts/criminal-consumer-fraud-must-goals-deterrence-and-compensation-be

Recovering From Online Fraud. National Crime Victim Law Institute: https://ncvli.org/recovering-from-financial-fraud-and-identity-theft-services-for-victims/#:~:text=%E2%80%93Identity%20Theft%20Resource%20Center%20

What Are Some Common Types of Scams? (2024, March 13). Consumer Financial Protection Bureau. https://www.consumerfinance.gov/ask-cfpb/what-are-some-common-types-of-scams-en-2092/

Resources:

FBI Internet Complaint Center: https://www.ic3.gov/

FBI Tip Center: http://tips.fbi.gov

BBB Scam Risk Calculator: https://www.bbb.org/all/scam-prevention/risk-calculator

Cybercrime Support Network: https://fightcybercrime.org/

Identity Theft Resource Center: https://www.idtheftcenter.org/

Financial Industry Regulatory Authority: https://www.finra.org/

Report Fraud to the Federal Trade Commission: https://reportfraud.ftc.gov/

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