Why Scams Work
Scammers are organized professionals. Being targeted is not a sign of carelessness.
Goal Explain why older adults are targeted, and describe the shape every scam follows.
The Four Signs of a Scam
Almost every scam shows the same four signs. Learn these and you do not have to memorize every scheme.
Goal Name the four signs — pretend, problem or prize, pressure, pay — and point them out in a message.
How They Ask You to Pay
The payment method is the clearest sign of all. This one habit stops most scams.
Goal List the payment methods that almost always mean a scam, and say what to do when one is requested.
The Golden Rules
A few simple habits stop almost every scam.
Goal State the habits that stop a scam in progress, and know the first steps to take if money was already sent.
Where this comes from
These modules follow consumer-protection guidance from the sources below.
- Federal Trade Commission (FTC)
- FBI Internet Crime Complaint Center (IC3)
- AARP
- Consumer Financial Protection Bureau (CFPB)
- National Council on Aging (NCOA)