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The St. Louis Consumer Fraud Task Force warns that scammers are exploiting digital payment methods, which offer less consumer protection than credit cards and function like handing over cash directly. Common scams include fake online sellers advertising deals on social media, impersonators posing as government agencies demanding payment, and fraudulent sellers who never deliver products—with one Illinois woman losing $330 to a fake weight loss medicine scheme. To protect yourself, research sellers before making purchases, remember that government agencies never demand payment via phone or text, and understand how digital payment apps work before using them.

Operation Senior Shield, Florida's elder alert system, is warning seniors about sweepstakes scams where fraudsters claim victims have won prizes but request upfront fees or personal information to claim them. Red flags include requests for money upfront, prizes that seem too good to be true, and pressure to act immediately. To protect yourself, never send money or share personal details for prize claims, verify contests independently before responding, and report suspicious activity to local authorities.

Scammers are running sweepstakes and lottery cons by sending fake letters, emails, and calls claiming people have won prizes, then asking victims to pay fake "taxes and fees" through bounced checks, gift cards, or cryptocurrency. These scams often impersonate Publishers Clearing House, which now only operates online after filing for bankruptcy, so legitimate winners would never be contacted by mail or phone. To protect yourself, remember that you cannot win a lottery or sweepstakes you didn't enter, and legitimate organizations never ask winners to pay upfront fees to claim prizes.

A Black Diamond resident lost their entire life savings in a phone scam, prompting police to escalate the case to federal authorities. Scammers commonly impersonate the IRS, lottery officials, or family members in distress to trick victims into sending money or personal information. To protect yourself, remember that the IRS only contacts you by mail, never give money for lottery winnings or taxes you didn't expect, and always hang up and independently verify requests from family members claiming to be in trouble.

A 77-year-old woman in Hyderabad lost ₹1.8 crore (approximately $216,000 USD) over nine months to scammers who impersonated RBI officials and businessmen, claiming she had won a lottery prize. The fraudsters used forged documents featuring industrialist Mukesh Ambani's name and the Prime Minister's photo to gain her trust, then tricked her into sharing banking credentials and obtained remote access to her accounts. To protect yourself: never share banking details or enable internet banking based on unsolicited calls, verify lottery winnings directly with official sources, and be skeptical of unexpected prize notifications regardless of how official they appear.

Post-holiday scammers are targeting consumers who are redeeming gift cards and making returns, with organized retail crime networks tampering with gift cards before purchase by peeling back security labels to steal card numbers. Michigan's Attorney General and 13 other state AGs launched a public awareness campaign urging consumers to only check gift card balances on official retailer websites, never use gift cards to pay debts or claim prizes, and report suspicious activity. Experts recommend checking gift cards immediately upon purchase for signs of tampering and watching out for phishing emails about delayed packages through January 31, 2026.

The Lexington Police Department is warning residents about a surge in financial scams targeting vulnerable people, including impostor calls falsely claiming to be from law enforcement demanding payment for warrants or jury duty. To protect yourself, never send money or allow transfers to someone you haven't met in person, and be skeptical of offers claiming you've won prizes that require upfront payment via cash, gift cards, or cryptocurrency. If you suspect you've been scammed, contact local police at (859) 258-3600 or report it to the FBI's Internet Crime Complaint Center at ic3.gov.

# Fraud Surge in 2024 Americans lost over $12.5 billion to fraud in 2024, a 25% increase from the previous year, with phone-based scams being particularly prevalent as criminals exploit the constant connectivity of mobile devices to target consumers anytime and anywhere. Older adults are disproportionately affected because they hold significant wealth, making them attractive targets for scammers who use texts, emails, social media, and even fake QR codes to deceive victims. To protect yourself, remain skeptical of unsolicited contact on your phone or other devices, verify requests through official channels before sharing information or money, and report suspected scams to the FTC or local authorities.

During the holiday season, scammers exploit consumers' generosity, increased online shopping, and decision-making urgency by using tactics like AI-generated fake ads, phishing emails, drained gift cards, and fraudulent job or loan offers. People of all backgrounds are vulnerable, particularly those under financial pressure or seeking holiday deals and charitable giving opportunities. To protect yourself, avoid clicking links in emails or ads—instead go directly to official websites or contact companies using verified contact information, and be skeptical of unsolicited offers promising easy money or prizes.

During the 2024 holiday season, Greater Cincinnati first responders are warning about a significant rise in scams targeting senior citizens, who lose billions annually to fraudsters. Seniors are particularly vulnerable because scammers exploit their trusting nature and target their home equity and savings through schemes like romance scams, tech support fraud, grandparent impersonation, and government impersonation. To protect yourself and loved ones, watch for red flags like someone posing as an authority figure demanding immediate cash and pressuring you not to tell family or friends—if something feels urgent or suspicious, verify by contacting trusted sources directly rather than using numbers provided by the caller.

# Gift Card Fraud Warning Attorneys general from 14 states, including Washington, are launching a campaign to warn consumers about growing gift card scams during the holiday season and into January 2026. Scammers impersonate trusted organizations and pressure victims to buy gift cards and share the codes, resulting in significant financial losses. To stay safe, consumers should inspect gift card packaging for sealing and covered PINs, check balances only on official retailer websites, never use gift cards to pay debts or claim prizes, and report any fraud to their state attorney general's office.

The scam industry has evolved from petty crimes into a sophisticated, borderless operation that costs the global economy billions annually and now funds organized crime and destabilizes communities. Digital technology—including social media, cryptocurrency, AI deepfakes, and gig economy platforms—has made it easier for scammers to operate at scale, from forced labor operations running romance scams in Southeast Asia to boiler-room fraud targeting North Americans and pyramid schemes preying on economically vulnerable communities worldwide. To protect yourself, remain skeptical of unsolicited messages and offers that seem too good to be true, verify contact information independently before sharing personal or financial information, and report suspected scams to local authorities.

Scammers in India are increasingly exploiting Telegram's encrypted channels to run fake investment schemes, lottery scams, and job offer frauds, resulting in over ₹1,100 crore in losses during the first half of 2025. The fraudsters use pressure tactics, deepfake videos, and "pig butchering" schemes to build trust before stealing money through fake trading apps and QR code redirects. Users should be wary of unsolicited investment opportunities on Telegram, avoid scanning unfamiliar QR codes or downloading apps from private chats, and remember that private channels offer no guarantee of safety.

San Antonio police report a rising tide of scams targeting seniors, with 330 reported crimes against older adults in 2025, though authorities believe many more go unreported due to victims' embarrassment or shame. The most common scam is imposter fraud, where callers pose as law enforcement or government officials and pressure victims to send money via gift cards, cryptocurrency, or wire transfers—methods that legitimate agencies never use. Experts recommend that seniors slow down before acting on urgent requests, seek education through community awareness programs, and report scams to authorities so patterns can be tracked and others protected.

During the Christmas shopping season, internet users face a surge of sophisticated AI-powered scams, with security experts detecting over 33,500 phishing emails and 10,000 fraudulent social media ads in just two weeks. Scammers are using AI to create convincing fake delivery notices, e-commerce websites, and charity appeals in flawless local languages, with fake delivery scams increasing 100% compared to last year. To protect yourself, remain skeptical of unsolicited messages and deals, verify websites before entering payment information, avoid clicking links in unexpected delivery notifications, and be wary of social media giveaway claims—especially from newly created accounts.

During the holiday season, cryptocurrency users face increased scam risks as cybercriminals exploit increased online activity, heightened emotions, and distraction to trick people into fraudulent schemes like phishing emails, fake wallet apps, and bogus investment opportunities. Crypto users are particularly vulnerable because cryptocurrency transactions are irreversible, making it difficult or impossible to recover stolen funds. To stay protected, users should avoid clicking suspicious links, verify wallet addresses carefully, and take time to authenticate requests before conducting any crypto transactions, especially during busy holiday periods.

According to a recent Federal Trade Commission report, Americans over 60 lost $2.4 billion to scams in 2024—a 400% increase since 2020—with investment scams, imposter scams, and romance scams being the most common types, primarily spread through social media. Seniors are particularly vulnerable because they often have accumulated savings and may experience age-related brain changes that reduce their ability to detect risk and read social cues. To protect yourself, thoroughly investigate any investment opportunity through the Securities and Exchange Commission before committing money, and be cautious of unsolicited contact on social media.

Telegram scams are surging in India, with fraudsters using the platform's encrypted channels to promote fake investment schemes, lottery wins, and job offers that have cost Indians over ₹1,100 crore in the first half of 2025 alone. Scammers typically start by flooding public channels with promises of quick profits, then move victims to private chats where they use deepfakes and psychological pressure to extract money through UPI payments or malware-infected apps. To protect yourself, be skeptical of unsolicited investment pitches on Telegram, never share personal details with unknown contacts, and avoid clicking links or downloading files from untrusted sources.

# Fraud Losses Among Older Americans Surge to Billions Older Americans lost an estimated $2.4 billion to financial fraud in 2024, with the FTC warning the true figure could be as high as $81.5 billion when accounting for underreporting—a dramatic four-fold increase from 2020 losses. The surge is being driven by large-scale scams where victims lose over $100,000, and scammers are increasingly using social media as their primary tool to target seniors. To protect yourself, be cautious of unsolicited offers on social media, verify requests for money through independent contact with known institutions, and report suspected fraud to the FTC immediately.

Detective Sgt. Steve McCook of the Newnan Police Department warned the Kiwanis Club that scams have become increasingly sophisticated and can target anyone regardless of intelligence or education, using emotional manipulation and fear tactics like fake arrest warrants and romance scams to pressure victims into paying with gift cards or cryptocurrency. The detective emphasized that victims can protect themselves by remembering they control the conversation—they can always hang up and call police immediately if something feels suspicious. Key actionable advice: never pay fines or fees over the phone or with gift cards, as legitimate law enforcement will never demand payment this way, and always verify requests by independently calling official authorities.

A WalletHub study ranked New York 30th nationally in elder abuse prevention, with below-average funding for eldercare services and protections, though the state performed well in nursing home quality and volunteer ombudsman programs. New York has an estimated 300,000 senior victims annually, with a concerning statistic that only 1 in 24 elder abuse cases are actually reported. To protect seniors, families should watch for warning signs like unexplained injuries, poor hygiene, isolation, and malnutrition, and report suspected abuse to local authorities or adult protective services.

# Fraud Summary In 2024, older Americans reported $2.4 billion in financial fraud losses to the FTC, up 26% from the previous year, though the agency estimates actual losses could reach $81.5 billion when accounting for unreported cases, with investment scams being the primary culprit. Those age 60 and over are particularly vulnerable to large-scale frauds exceeding $100,000, which accounted for 68% of reported losses and can devastate retirement security and cause significant emotional harm beyond financial damage. To protect themselves, older adults should designate a "trusted contact" with their financial institutions who can alert them to suspicious activity and consider working with banks and brokerages that actively monitor for signs of financial exploitation.

New York ranks 30th nationally in elder abuse protection and prevention funding, according to a WalletHub study, with particular weaknesses in spending on elder care services and ombudsman programs. The state has an estimated 300,000 senior victims annually, with the concerning reality that reported cases represent only about 4% of actual abuse incidents. Residents should watch for warning signs of elder abuse including unexplained injuries, poor hygiene, isolation from loved ones, and signs of malnutrition, and report suspected abuse to local authorities or adult protective services immediately.

A British Columbia man named Alexander Quaglia is being extradited to the United States to face fraud charges for operating a fake sweepstakes scheme that defrauded thousands of seniors worldwide of approximately US$13 million between 2011 and 2016. The scheme involved mass mailings offering fraudulent prizes of US$1 million in exchange for payments sent to accounts Quaglia controlled. Seniors and vulnerable people should be cautious of unsolicited sweepstakes offers, especially those requiring upfront payments, and verify any legitimate prize winnings directly with official sources rather than responding to mailed solicitations.

Seniors are increasingly targeted by scammers who exploit their savings, home ownership, and relative unfamiliarity with technology to commit fraud. Common scams include unsolicited calls selling unnecessary products like medical-alert devices, lottery/prize schemes requiring upfront fees, and fake mobile health clinics that bill insurance and Medicare using stolen personal information. To protect yourself, be skeptical of unsolicited calls and emails, never pay upfront fees for prizes you've won, verify any medical services through official channels, and report suspicious activity to the FTC.

A PYMNTS Intelligence study of 10,103 U.S. consumers found that approximately 77 million adults (3 in 10) lost money to scams over the past five years, with many losing more than $500. Modern scammers use mass personalization to tailor fraud schemes by age, income, and habits—targeting Gen Z through social media, older adults via email and phone calls, and selecting contact channels that feel legitimate to each demographic. The study reveals that scams now account for 27% of U.S. financial institutions' fraud losses in 2024 (up from 12% in 2023), highlighting the need for dynamic defenses including behavioral monitoring

Former U.S. Postal Inspector Scott Kelley, 51, of Massachusetts, was indicted on 45 counts for stealing over $330,000 in cash from packages mailed by elderly victims of a Jamaican lottery telemarketing scam between 2019 and 2023. Kelley, who led the Mail Fraud Unit investigating senior citizen scams, used his position to intercept approximately 1,950 flagged packages, launder the proceeds through money orders and multiple bank accounts, and even framed a subordinate for a separate $7,000 evidence locker theft. He faces up to 20 years in prison on each wire fraud and mail frau

**Scam Type:** Mail interception fraud and money laundering related to Jamaican lottery scheme targeting elderly victims **What Happened:** Former U.S. Postal Inspector Scott Kelley, 51, was arrested and indicted on 45 counts for allegedly stealing over $330,000 in cash from approximately 1,950 packages sent by elderly victims of a Jamaican telemarketing scam between 2019-2023. Kelley, who led the Mail Fraud Unit tasked with investigating scams targeting seniors, allegedly used his position to intercept victim mail, launder proceeds through money orders and multiple bank deposits, steal $7,000

Scott Kelley, a 51-year-old former U.S. Postal Inspection Service team leader who oversaw the Mail Fraud Unit, was charged with stealing over $330,000 from packages sent by elderly scam victims (averaging age 75) and laundering the money for personal use including home renovations, vacations, and escort services. Between 2019 and 2023, Kelley allegedly deceived postal employees into intercepting approximately 1,950 packages from victims of a Jamaican lottery scam, opened them without authorization, and stole the cash inside—none of which was recovered by the victims. Kelley faces up to 20 years

**Summary:** Scott Kelley, a 51-year-old former team leader at the U.S. Postal Inspection Service in Boston, was indicted on 45 federal counts for intercepting nearly 2,000 packages containing over $330,000 in cash from elderly victims (mostly in their 70s and 80s) of Jamaican lottery scams between 2019 and August 2023. Kelley used his position to redirect flagged parcels to himself, opened them without authorization, and spent the stolen money on luxury items including home improvements, cruises, and escorts, while laundering the funds through money orders and structured bank deposits. He faces charges including mail

A former U.S. Postal Inspector, Scott Kelley, was arrested and charged in a 45-count indictment for stealing over $330,000 in cash from packages mailed by elderly scam victims between 2019 and 2023, then laundering the money and evading taxes. As Team Leader of the Mail Fraud Unit investigating lottery scams targeting seniors, Kelley exploited his position to intercept approximately 1,950 packages flagged by the USPIS algorithm, opening and stealing cash from parcels—with identified victims averaging 75 years old losing between $1,400 and $19,100 each. Additionally, Kelley st

A 51-year-old former postal inspector in Massachusetts was arrested and charged with 45 counts, including stealing over $330,000 from elderly victims (average age 75) who had been defrauded by lottery scams and mailed cash to scammers. Kelley, who ironically led the Mail Fraud Unit investigating such scams, intercepted packages flagged by the Postal Service's anti-fraud algorithm, stole the cash from victims attempting to recover their losses, and laundered the money through money orders and multiple bank accounts to fund personal expenses including a pool patio and Caribbean cruise. He also stole $7,000 from an evidence locker and falsely blamed another inspector

This 2013 overview identifies the top scams affecting La Porte County and beyond, with phishing (stealing personal information for identity theft) ranked as the most prevalent fraud. The top ten scams include grandparent impersonation schemes targeting elderly relatives, doorstep contractor fraud using high-pressure sales tactics, work-from-home schemes, lottery scams, Nigerian advance-fee frauds, and account hijacking of email and social media platforms. The article emphasizes that internet growth and social networking have expanded scam delivery methods and increased victim numbers significantly, with many scams persisting or resurfacing over years despite awareness efforts.

A study analyzing FBI Internet Crime Complaint Center data from 2021-2024 found that Millennials in Michigan rank third nationally as cybercrime victims, averaging approximately 3,000 scam incidents annually compared to 2,385 for seniors. The higher victimization rate among Millennials is attributed to their greater digital dependence for networking, socializing, shopping, and banking, which makes them more vulnerable targets for criminals than seniors who use technology less frequently.

Scam losses in Oklahoma exceeded $72 million in 2024 and have tripled over the past five years, with increasingly emotionally manipulative tactics targeting older adults. Common scams include phishing, grandparent scams, tech support fraud, romance scams, and cryptocurrency schemes. Protection strategies include pausing before clicking links, researching contacts independently, using strong passwords with two-factor authentication, avoiding cryptocurrency and gift card payments, and reporting suspected fraud to the Oklahoma Attorney General, FTC, or AARP's Fraud Watch helpline.

Phone-based elder scams remain prevalent in 2024, with fraudsters using evolving tactics that exploit trust and urgency to target older adults. Common scams include Medicare impersonation, fake tech support, grandparent emergency schemes, lottery/prize offers, utility company threats, and government agency impersonation—each designed to steal personal information, drain bank accounts, or install malware. The key protection strategy is to never share personal information over unsolicited calls, verify requests independently by contacting official sources directly, and ask verification questions that only legitimate contacts would know.

Baxter County, Arkansas is experiencing a rise in scams targeting residents, prompting local law enforcement to host a public call-in program with Sheriff John Montgomery to educate citizens on fraud prevention. The initiative follows recent arrests of three men accused of acting as "money mules" for overseas scam operations; common schemes affecting residents include government impersonation, tech support fraud, fake sweepstakes, romance scams, and home repair fraud using phishing emails, robocalls, and spoofed numbers.

The article discusses a surge in impersonation scams targeting seniors, where scammers pose as government agencies or trusted businesses (like Amazon) to convince victims to transfer money for "protection," ultimately stealing it. The FTC reports a nearly 200% increase in reports of older Americans losing up to $10,000 since 2020, with a 400% increase in losses exceeding $100,000, and younger Americans are increasingly affected. The piece provides protective advice including being wary of money transfer requests, refusing demands for gift cards or cryptocurrency transfers, and hanging up to independently verify caller claims.

Financial fraud in Oregon resulted in an estimated $201 million in reported losses and $1.2 billion in unreported losses in 2025, with the FBI and FTC reporting significant increases in fraud cases nationwide. The state's economy faces a projected $3.9 billion reduction in GDP, $2.6 billion reduction in personal income, and approximately 15,000 job losses due to all financial fraud (reported and unreported). Oregon ranks 26th-28th among states for cyber-enabled crime losses and elder fraud complaints, with fraud cases up 3,336 since 2022 and total losses up 285% since 2020.

Financial scams have become increasingly prevalent and sophisticated, with the FBI reporting $16.6 billion in cybercrime losses in the past year—a 33% increase over the prior year with an average loss of $19,372 per victim. The FTC documented a more-than-four-fold increase between 2020 and 2024 in reports of older Americans (age 60+) losing $10,000 or more to scams, with some victims emptying entire bank accounts and retirement funds. Common schemes include imposter scams masquerading as government agencies or businesses, tech support scams, and prize/sweepstakes frauds, with red flags

This article describes common scams targeting consumers—including IRS impersonation calls, toll payment texts, and lottery email schemes—and notes that fraud losses reached $12.5 billion in 2024, a 25% increase from the prior year. Scammers typically use spoofed numbers, demand urgent payment, and attempt to steal personal information or get victims to click malicious links. The article provides five resources for victims: filing complaints with state agencies (Wisconsin's Department of Agriculture, Trade and Consumer Protection or Minnesota's Attorney General's Office), reporting to local police and the FBI's Internet Crime Complaint Center, contacting AARP's Fraud Watch Helpline at 877-908-

The South Carolina Department of Consumer Affairs warns consumers of a barcode scam in which fraudsters impersonate law enforcement or utility company employees and send barcodes to victims, demanding they load money onto gift cards, prepaid cards, cryptocurrency, or e-cash at retail stores like Walgreens, Walmart, or CVS under threat of arrest or service disconnection. The agency advises that legitimate law enforcement and utility personnel never request payments via barcodes sent to stores, and recommends consumers watch for red flags including impersonation of trusted entities, claims of problems or prizes, pressure to act immediately, and requests for untraceable payment methods.

Crypto ATMs (convertible virtual currency kiosks) have become a major tool for defrauding elderly Americans, with people aged 60+ being three times more likely than younger adults to lose money through these machines. In 2024, the FBI received over 10,956 complaints involving crypto ATMs with approximately $246.7 million in reported losses (a 99% increase in complaints from 2023), with criminals using various scams including tech support fraud, government impersonation, romance scams, and emergency scams to manipulate victims into depositing cash into these machines. The author argues that stronger regulation is needed, including lower daily transaction limits and removal of machines facilitating frau

Impersonation scams targeting older adults have surged dramatically, with the FTC reporting a four-fold increase in reports of losses exceeding $10,000 and an eight-fold increase in losses over $100,000 (from $55 million in 2020 to $445 million in 2024), totaling nearly $5 billion in fraud losses in 2024. Common scam tactics include fake security alerts impersonating banks, government agencies, and tech companies like Microsoft and Apple, as well as fraudsters posing as FTC officials directing victims to Bitcoin ATMs or cash couriers. Arizona, Indiana, and Nevada reported the highest fraud complaint rates among

Charleston Police are investigating five scam cases targeting elderly residents (ages 61-85) who were manipulated into transferring $7,000-$10,000 each via phone calls, with three victims directed to Bitcoin ATMs while scammers remained on the line. The scammers used high-pressure tactics such as claiming relatives were in jail, threatening arrest warrants, or alleging identity theft, and requested payment through gift cards or cryptocurrency. Police advise victims to hang up immediately, avoid sharing personal or financial information, and verify suspicious claims by calling trusted family members or local law enforcement.

Vietnamese victims, particularly educated professionals, were lured to Cambodia through fraudulent job postings by Chinese-led criminal syndicates operating "pig-butchering" scams between 2018-2023, where they were trafficked, confined, and coerced into committing cyber fraud against others. This mixed-methods study of 10 cases and interviews with 12 Vietnamese police officers reveals complex multi-layered networks targeting skilled workers with promises of IT, programming, and customer service positions, creating "victim-offender overlaps" where trafficked individuals are simultaneously victimized and forced to victimize others. The research highlights the need for greater focus on the intersection of human trafficking, cyber

Seniors are increasingly targeted through crypto ATM scams using seven common tactics: fake tech support calls, grandparent emergency scams, romance fraud, government impersonation, fake investment schemes, utility bill threats, and QR code tricks. These scams exploit the irreversible nature of cryptocurrency transactions and the emotional vulnerability of older adults through urgency, authority, and personal relationships. The article advises seniors to verify requests independently through official channels, avoid sending cryptocurrency for emergencies or payments, and consult trusted contacts before transferring money.

Three Texas men were arrested for defrauding approximately 75 elderly victims of $1.5 million through a loan scheme in which they posed as business representatives offering to reduce utility bills, then fraudulently applied seniors' electronic signatures to 20-year loans ($13,000-$32,500 per victim) without consent. The article notes that elder fraud has become increasingly sophisticated, with 2023 losses exceeding $3.4 billion nationally among seniors aged 60+, now involving investment schemes, cryptocurrency fraud, and AI-enhanced techniques like voice cloning and deepfakes.

Senators Katie Britt (R-Alabama) and Kirsten Gillibrand (D-New York) introduced the bipartisan GUARD Act to combat financial scams targeting older Americans, particularly those using cryptocurrency and blockchain technologies. The legislation would allow state and local law enforcement to use existing federal grant funding to hire personnel and deploy advanced tracing tools, addressing gaps that enable scammers to escape prosecution. According to the Federal Trade Commission, Americans aged 60 and older lost over $2.3 billion to fraud in 2024—a 21% increase from 2023—with experts estimating total unreported fraud at $61.5 billion, including growing "

Modern scams targeting older adults are increasingly sophisticated and personalized, exploiting seniors' trust, digital inexperience, fixed incomes, and desire to help family members. According to the FBI, older adults lost over $3 billion to scams in recent years, with many victims unaware they've been defrauded or too embarrassed to report it. The article identifies 10 warning signs including urgent demands for action, requests for untraceable payments (gift cards, wire transfers, cryptocurrency), instruction to keep the scam secret, too-good-to-be-true offers, callers claiming government authority, and requests for personal information confirmation.