Financial Safety

How to Spot, Stop, and Recover from Scams: A Practical Fraud Protection Guide Scams aren’t just annoying—they’re expensive, emotionally draining, and increasingly sophisticated. Whether it’s a fake text about a package delivery, a “guaranteed” investment opportunity from a stranger online, or a convincing call from “your bank,” fraudsters are constantly refining their tactics. The good news is that by understanding how scams work and having a plan, you can significantly reduce your risk and know exactly what to do if you’re targeted. ...

How to Build a Practical Defense Against Modern Scams It’s a common, unsettling feeling: a strange text, an urgent email from a “company” you use, or a too-good-to-be-true investment opportunity sliding into your social media DMs. Scams aren’t just annoying—they’re financially devastating and emotionally taxing. Today’s fraudsters use sophisticated psychological tricks and digital tools to exploit trust and urgency. Protecting yourself isn’t about paranoia; it’s about informed vigilance. This guide breaks down the essential process of recognizing, preventing, and responding to scams, giving you a clear plan to safeguard your money and identity. ...

National Consumer Protection Week Is Here. Let’s Talk Defense. Every March, the Federal Trade Commission (FTC) leads National Consumer Protection Week (NCPW). It’s more than a calendar event; it’s a focused reminder to shore up our defenses against the fraud that costs consumers billions yearly. With NCPW 2026 underway, the FTC has released a suite of advice, highlighting the scams that are particularly active and providing clear steps to fight back. Let’s break down what you need to know and, more importantly, what you can do. ...

How to Spot, Stop, and Recover from Modern Scams Scammers have moved far past the poorly spelled “Nigerian prince” emails of old. Today’s fraud is sophisticated, personalized, and emotionally manipulative. Whether it’s a fake text from your “bank,” a convincing investment pitch from a new online friend, or a fraudulent charge on your account, the goal is the same: to steal your money, identity, or both. ...

D.C. Attorney General Warns of Rising Gift Card Scams: How to Protect Yourself In December 2025, District of Columbia Attorney General Brian Schwalb issued a direct alert to residents, warning of a persistent and growing threat: gift card scams. This official warning underscores a national problem where fraudsters exploit the perceived convenience and anonymity of gift cards to steal millions from consumers each year. While the alert was specific to D.C., the tactics described are universal, making this a timely reminder for everyone to review how they handle gift card requests. ...

Staying Ahead of Scammers: Key Lessons from a Statewide Fraud Alert You check your phone and see an urgent text from what looks like your bank. An email arrives, promising a government refund or a prize from a contest you don’t remember entering. A too-good-to-be-true offer pops up on social media. These moments are the front lines of modern consumer fraud, a constant threat that adapts as quickly as our technology does. ...