DOCSLIB.ORG

FTC Robocalls Summit Transcript

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
FTC Robocalls Summit Transcript 1 1 UNITED STATES OF AMERICA 2 FEDERAL TRADE COMMISSION 3 4 5 ROBOCALLS: ALL THE RAGE 6 AN FTC SUMMIT 7 8 9 Thursday, October 18, 2012 10 9:00 a.m. to 5:00 p.m. 11 United States Federal Trade Commission 12 Conference Center 13 600 New Jersey Avenue, Northwest 14 Washington, D.C. 20001 15 16 17 18 19 20 21 22 23 24 25 2 1 TABLE OF CONTENTS 2 Welcome: 3 Jon Leibowitz, Chairman.................4 4 5 The Network: 6 Steven Bellovin.........................12 7 Henning Schulzrinne.....................17 8 9 The Industry: 10 Roberto Anguizola, Moderator............43 11 12 The Law: 13 Lois Greisman, Moderator................75 14 15 Caller ID Spoofing And Call Authentication Technology: 16 Kati Daffan, Moderator.................119 17 18 Data Mining and Anomaly Detection: 19 David Belanger.........................181 20 21 Call-Blocking Technology: 22 Bikram Bandy, Moderator ...............199 23 24 Announcement: 25 David Vladeck..........................249 3 1 P R O C E E D I N G S 2 - - - - - 3 WELCOME 4 MS. DAFFAN: We can get started now. Thank 5 you all for your patience. I am thrilled to be kicking 6 off this meeting today. Sorry it took us a little 7 while to get going, but we are all very excited that 8 you're here and that you're listening on the Webcast, 9 if that's where you are. 10 I have to start off, unfortunately, with a 11 few administrative things. For those of you who are 12 here in person, you got a nametag when you came in. 13 You should keep that on you at all times because that's 14 what indicates to security that you're authorized to be 15 here. 16 If you leave the building, when you come back 17 in you'll have to go through security again, just so 18 you know. And the other thing that we always have to 19 say is that if there's some issue and the building is 20 evacuated, we all go across New Jersey Avenue together 21 to the Georgetown Law School campus and we stand there. 22 Okay. So the other thing is questions. 23 Everyone who is here in the room with us, if you picked 24 up a folder when you came in, there are little cards in 25 there where you can write your questions. When you 4 1 have a question for a particular panel member -- and 2 all of our panels will be open to questions afterwards 3 -- then you just hold up the card and someone will come 4 and pick it from you and bring it up to the moderator. 5 You should know that this whole event is 6 being live-Tweeted, and you can submit your questions 7 by Tweet or by Facebook, or by email. And all the 8 instructions for that are on the Webcast page. 9 So finally, without further ado, I am very 10 excited to be introducing the chairman of the Federal 11 Trade Commission, Jon Leibowitz. The bios for all of 12 our speakers are in your materials. So we’re not going 13 to spend a lot of time on introductions. But suffice 14 it to say, the Chairman is an absolutely tireless 15 advocate for the rights of consumers, including all of 16 us who have received illegal robocalls. Thank you 17 very much for being here. 18 CHAIRMAN LEIBOWITZ: Thank you for doing the 19 housekeeping this morning, Kati. Let me just thank all 20 of you for being here. It is a terrific crowd. This 21 is the first annual FTC Summit Meeting on Robocalls. 22 We're exceedingly glad that all of you are here, 23 whether in person or via the web or via phone dial-in 24 now, right? Yes. 25 At the FTC, we pride ourselves on the fact 5 1 that we take a multi-faceted approach to consumer 2 protection issues that includes enforcement, education, 3 policy, and advocacy. Today's summit is a living 4 example of what we mean. Here you are, distinguished 5 technologists, telecommunications experts, and law 6 enforcers, all sitting together in one room to help 7 brainstorm on ways to stop the onslaught, and it is an 8 onslaught, of the wave of robocalls. 9 Now, everyone here knows that robocalls are 10 intrusive and disruptive because probably all of us in 11 this room have experienced it. That's bad enough. But 12 by deceptively pitching phony products and services 13 such as debt reduction programs and mortgage 14 modification scams, these bottom feeders are not only 15 disturbing our peace, our homes and violating what 16 Justice Louis Brandeis called our right to be let alone 17 -- Louis Brandeis, by the way, along with Woodrow 18 Wilson, were to be the architects of the creation of 19 the Commission -- but they are also stealing our money. 20 (Whereupon, a phone rings.) 21 CHAIRMAN LEIBOWITZ: Who's calling? 22 (Whereupon, an audio was played.) 23 CHAIRMAN LEIBOWITZ: Does that voice sound 24 familiar to any of you in the audience? 25 Raise your hands, actually, if you've got the 6 1 call from Rachel. Yeah, I have too. 2 Well, let me tell you this Rachel, as the 3 subject of more than 200,000 complaints to the FTC 4 every month, it is a major source of anger and 5 irritation across the country. You are now Public 6 Enemy Number 1. We can't see her face, but we know 7 she's a bad human being. 8 And just look at some of these tweets. Can 9 we scroll some of the tweets? You'll understand why 10 this summit is called Robocalls: All the Rage. I'll 11 just read a few of them. 12 "There is a special place in hell for Rachel 13 from Cardholder Services." Would I really go to jail 14 if I found and murdered Rachel from Cardholder 15 Services?" I'm not so sure about this because in the 16 United States we have something called laws. 17 We even get old school U.S. Postal mail 18 complaining about robocalls, and we get a lot of it. I 19 got a letter from a man in Michigan who called 20 robocalls, and I quote, "Malevolent predators" that are 21 "clearly prowling among the unsuspecting for 22 opportunities to trick them out of money." He closed 23 his letter by asking us to, "please put your best 24 investigators on this and protect the American people 25 from such evil-doers." And that's exactly what we have 7 1 been trying to do here at the FTC. 2 We sue Rachel multiple times, as well as her 3 chipper co-workers, like Heather from Cardholder 4 Services, Stacey from Cardholder Services. In fact, we 5 have brought more than a dozen cases targeting either 6 robocalls, taking action against 42 companies and 24 7 individuals. And we have stopped billions, literally 8 billions of illegal robocalls. 9 Spoiler alert: We have more cases in the 10 pipeline, just stay tuned for the next couple of weeks. 11 You can look forward to continued aggressive law 12 enforcement from the FTC, as well as from our state and 13 federal agencies that are here today. 14 With that said, we know law enforcement alone 15 can’t stop the robocalls. And that's why all of us are 16 here today to take a deeper look. We'll start with 17 some history. What is it about the infrastructure of 18 the telecommunications system that has enabled the 19 growth of illegal robocalls in such a short time? 20 With the experts as our guides, we'll see the 21 technological changes that have boosted the bandwidth 22 for VoIP, exponentially, bringing, of course, 23 tremendous benefits to consumers. At the same time, 24 they've been able to have voice blasting technology to 25 flourish at bargain basement prices. 8 1 We'll talk about the dramatically growing 2 problem of back office violations from India. You 3 know, it has been nearly 10 years since the FTC 4 spearheaded and implemented the National Do Not Call 5 Registry. Today, there are more than 217 million -- 6 217 million phone numbers that are on the registry 7 today. And there is no question that our efforts have 8 significantly reduced the number of unwanted 9 telemarketing calls people are getting from legitimate 10 marketers who honor the system and recognize the 11 importance of respecting consumer choice. 12 We also know how much American consumers 13 value the Do Not Call system, as well as how much is 14 valued by Dave Barry, the American humorist who called 15 Do Not Call the most effective government program since 16 the Elvis stamp. I'm not going to laugh at my jokes. 17 But let’s be honest, the telecommunications 18 infrastructure, like so many other core ecosystems, was 19 not developed with an eye towards fighting crime. 20 Alexander Graham Bell did not especially focus on 21 telemarketing fraud, let alone caller ID spoofing, when 22 he invented the phone. Still, we are sure the 23 technology, used creatively and thoughtfully, can help 24 us stem the tide of telemarketing abuse and misuse. 25 Today's agenda is ambitious. It is engaging 9 1 and it is provocative. Robocallers are becoming 2 increasingly creative in perpetuating their scams and 3 we need your help; that is, the help of everyone here 4 in the room today, to develop creative solutions to 5 catch and outwit the perpetrators.
Load more

Recommended publications
  • Scamming Grandma: Financial Fraud and the Impact on Households Samantha Nielsen
    The Institute for Behavioral and Household Finance White Paper Series Scamming Grandma: Financial Fraud and the Impact on Households Samantha Nielsen Cornell University © 2019 All rights reserved. White Paper No. 7-2019 May 2019 The Institute for Behavioral and Household Finance Cornell University ꞏ The Charles H. Dyson School of Applied Economics and Management ꞏ Warren Hall, Ithaca, NY 14853 ꞏ E-mail: [email protected] ꞏ http://ibhf.cornell.edu Institute of Behavioral and Household Finance – White Paper Series White Paper: 07-2019 Overview more by scammers, are more educated on where to file a complaint, are more interested in Many Americans have experienced or know of a combatting fraud, or a combination of these or person who has fallen victim to a financial scam, other factors. and as social media platforms, online databases, and internet services expand, reports of these Figure 1: Historical Household Financial Fraud Reports scams become more widespread. While word-of- 1,800,000 mouth stories and news vehicles raise awareness, 1,600,000 there is limited existing research analyzing the 1,400,000 financial impact of these scams on households. 1,200,000 1,000,000 Figure 1 illustrates the total number of annual 800,000 600,000 fraud reports in the United States. From 2007 to 400,000 2016, an increase of 157% was seen in the 200,000 number of reported financial scams. More 0 recently, in 2018, there were 1,427,563 fraud reports, which is up 25% from 2017. The amount Source: Consumer Sentinel Network, 2007-2016 of 2018 reports with a monetary loss increased 48% to 358,755 from the year prior, and the Figure 2: Fraud Reports by Age Group median monetary loss for all fraud reports was down $375 in 2018, 13% less than the year prior.1 140,000 120,000 100,000 When we look at fraud reports by age group, a 80,000 significant increase in frauds reported by older 60,000 40,000 age cohorts is identified.
    [Show full text]
  • Cellular Phone Cloning
    Cellular Telephone Cloning Final Report Economic Crimes Policy Team United States Sentencing Commission January 25, 2000 Paula Biderman Anne Blanchard Tom Brown Paula Desio Jean Gabriel Greg Gilmore Christine Kitchens Linda Maxfield Rachel Pierce Mary Rushen Courtney Semisch Andy Purdy, Chair Executive Summary The Economic Crimes Policy Team was chartered to advance the Commission’s work in several areas, including the development of options for implementing the directives contained in the Wireless Telephone Protection Act (Pub. L. No. 105-172; April 24, 1998). Specifically, this act amended 18 U.S.C. § 1029 (Fraud and related activity in connection with access devices) with regard to the cloning of cellular telephones. The report details the background, analysis, findings and policy options identified by the team. Wireless Telephone Protection Act Because of increasing financial losses to the telecommunications industry and the growing use of cloned phones in connection with other criminal activity, Congress passed the Wireless Telephone Protection Act (WTPA) in April 1998. The legislative history indicates that, in amending 18 U.S.C. § 1029, Congress was attempting to address two primary concerns presented by law enforcement and the wireless telecommunications industry.1 First, law enforcement officials testified at congressional hearings that they were having difficulty proving the “intent to defraud” element of the pre-amendment provision regarding some equipment used to clone phones.2 Although there is no legitimate reason to possess the equipment unless an individual is employed in the telecommunications industry, the prosecution often could not prove that the equipment was possessed with the intent to defraud. Second, law enforcement officials often discovered cloning equipment and cloned cellular telephones in the course of investigating other criminal activities, such as drug trafficking and other fraud.
    [Show full text]
  • North East Multi-Regional Training Instructors Library
    North East Multi-Regional Training Instructors Library 355 Smoke Tree Business Park j North Aurora, IL 60542-1723 (630) 896-8860, x 108 j Fax (630) 896-4422 j WWW.NEMRT.COM j [email protected] The North East Multi-Regional Training Instructors Library In-Service Training Tape collection are available for loan to sworn law enforcement agencies in Illinois. Out-of-state law enforcement agencies may contact the Instructors Library about the possibility of arranging a loan. How to Borrow North East Multi-Regional Training In-Service Training Tapes How to Borrow Tapes: Call, write, or Fax NEMRT's librarian (that's Sarah Cole). Calling is probably the most effective way to contact her, because you can get immediate feedback on what tapes are available. In order to insure that borrowers are authorized through their law enforcement agency to borrow videos, please submit the initial lending request on agency letterhead (not a fax cover sheet or internal memo form). Also provide the name of the department’s training officer. If a requested tape is in the library at the time of the request, it will be sent to the borrower’s agency immediately. If the tape is not in, the borrower's name will be put on the tape's waiting list, and it will be sent as soon as possible. The due date--the date by which the tape must be back at NEMRT--is indicated on the loan receipt included with each loan. Since a lot of the tapes have long waiting lists, prompt return is appreciated not only by the Instructors' Library, but the other departments using the video collection.
    [Show full text]
  • Sok: Fraud in Telephony Networks
    SoK: Fraud in Telephony Networks Merve Sahin∗y, Aurelien´ Francillon∗, Payas Guptaz, Mustaque Ahamadx ∗Eurecom, Sophia Antipolis, France fmerve.sahin, [email protected] yMonaco Digital Security Agency zPindrop, Atlanta, USA [email protected] xGeorgia Institute of Technology, USA [email protected] Abstract—Telephone networks first appeared more than a future research, increase cooperation between researchers hundred years ago, long before transistors were invented. They, and industry and finally help in fighting such fraud. therefore, form the oldest large scale network that has grown Although, we focus on telephony fraud, our work has to touch over 7 billion people. Telephony is now merging broader implications. For example, a recent work shows many complex technologies and because numerous services how telephony fraud can negatively impact secure creation enabled by these technologies can be monetized, telephony of online accounts [1]. Also, online account takeovers by attracts a lot of fraud. In 2015, a telecom fraud association making a phone call to a call center agent have been reported study estimated that the loss of revenue due to global telecom in the past [2], [3]. Telephony is considered as a trusted fraud was worth 38 billion US dollars per year. Because of the medium, but it is not always. A better understanding of convergence of telephony with the Internet, fraud in telephony telephony vulnerabilities and fraud will therefore help us networks can also have a negative impact on security of online understand potential Internet attacks as well. services. However, there is little academic work on this topic, in part because of the complexity of such networks and their 1.1.
    [Show full text]
  • Hang up on Cross-Border Phone Fraud
    Hang Up on Cross-Border Phone Fraud It’s like clockwork. You sit down to dinner and the phone rings. You answer it. The caller is trying to sell you something or tell you that you’ve won a fabulous prize. In fact, you may have been targeted by fraudulent telemarketers calling across the border from “boiler rooms” in the U.S. and Canada... ross-border telemarketing C fraud is a serious problem — and it appears to be growing. U.S. and Cana- dian consumers lose billions of dollars a year to telemarketers who pitch bogus products, services and investments. The most common cross-border telemarketing frauds involve: ● phony prize promotions ● foreign lottery schemes ● advance-fee loan rip-offs ● travel offer scams ● unnecessary credit card loss “protection” It’s no wonder that con artists often target citizens of other countries. Some con artists believe they won’t get caught if they target citizens in another country. They assume that their own country’s law enforcement officials aren’t interested in building a case when the victims are in another country. They also believe that officials in the victims’ country won’t have the authority to investigate deceitful calls from outside their borders. But now partnerships among law enforce- ment agencies in the U.S. and Canada are making it tougher for cross-border scam artists to ply their deceitful trade. The organizations cooperate across borders — sharing information, investigators and other resources. All the partners gather consumer complaint information and contribute to the 1 legwork involved in building a case, in- cluding surveillance and interviewing victims.
    [Show full text]
  • Identity Theft and Telemarketing Fraud
    If I get the caller ID information it should What can I do to protect myself from be able to track them, right? phone fraud? Wrong. Unfortunately, the technology is readily Identity Theft and available for criminals to mask the numbers they Telemarketing Fraud Register for the National DNC are calling from, thwarting enforcement efforts to Program by calling toll free: 1-888-382-1222 identify them. Remember, the good guys have to go through every LEGAL means to catch these Your personal information is valuable. You can limit the number of legitimate telemar- criminals, the crooks go through every means Protect it! Guard your: keting calls you receive at your residence by reg- available to evade detection. That’s why it is im- istering your home phone number on the LPSC portant that you understand that educating yourself, Social Security number DNC Program and/or National DNC Program. and your friends and family, to the dangers of iden- Putting your number on these programs will stop tify theft is your best protection against this type of Bank and credit card numbers most normal telemarketing calls - but not all. You crime. Do Not Call was never designed to stop Driver's license number still may get calls from businesses with which you fraud, but we can help you get your complaint to normally do business, and a few other possible the appropriate authority. exemptions, but calls from sales people from un- Some criminals lie on the telephone to familiar businesses may be the sign of a scam. Be- What should I do if I suspect fraud? get your personal information.
    [Show full text]
  • Employee Fraud Detection Under Real World Conditions
    Zurich Open Repository and Archive University of Zurich Main Library Strickhofstrasse 39 CH-8057 Zurich www.zora.uzh.ch Year: 2010 Employee fraud detection under real world conditions Luell, J Abstract: Employee fraud in financial institutions is a considerable monetary and reputational risk. Stud- ies state that this type of fraud is typically detected by a tip, in the worst case from affected customers, which is fatal in terms of reputation. Consequently, there is a high motivation to improve analytic de- tection. We analyze the problem of client advisor fraud in a major financial institution and find that it differs substantially from other types of fraud. However, internal fraud at the employee level receives little attention in research. In this thesis, we provide an overview of fraud detection research with the focus on implicit assumptions and applicability. We propose a decision framework to find adequate fraud detection approaches for real world problems based on a number of defined characteristics. By applying the decision framework to the problem setting we met at Alphafin the chosen approach is motivated. The proposed system consists of a detection component and a visualization component. A number of imple- mentations for the detection component with a focus on tempo-relational pattern matching is discussed. The visualization component, which was converted to productive software at Alphafin in the course of the collaboration, is introduced. On the basis of three case studies we demonstrate the potential of the proposed system and discuss findings and possible extensions for further refinements. Posted at the Zurich Open Repository and Archive, University of Zurich ZORA URL: https://doi.org/10.5167/uzh-44863 Dissertation Originally published at: Luell, J.
    [Show full text]
  • Protect Your Loved Ones: the 411 on Senior Scams and Fraud by Nan Hayes for Caring Transitions
    Protect Your Loved Ones: The 411 on Senior Scams and Fraud By Nan Hayes for Caring Transitions When writing this newsletter, I received an email from my cell phone provider, including its name and brand images, informing me I must immediately pay hundreds of dollars in late penalties or lose my service. The message looked legitimate, even though I knew it couldn’t be true. Upon taking a closer look at the sender’s address, I determined it was a scam. But would my 86-year old father have known the difference? If you’re 40 or older, chances are you are part of the “Sandwich Generation,” a term used to describe the growing number of adults who are simultaneously caring for aging parents and raising children, while managing demanding careers and tending to household duties. Much of your time, energy and attention is focused on family as you make sure everyone is safe, secure and living comfortably. At times, your responsibilities may be overwhelming and you don’t know where to seek relief. The good news is “parent care” is quickly becoming the norm and you are in good company. In today’s fast-paced, multimedia environment, we have access to countless online resources that provide information and advice with a few clicks of a button. The internet has become a haven for caregivers as they seek advice, support and a sense of community with fellow caregivers; however, the unfortunate reality is that the internet has also become a haven for many scam operators who prey on the elderly by using unfamiliar and unexpected ploys.
    [Show full text]
  • Detecting Fraud in Cellular Telephone Networks
    Islamic University of Gaza Deanery of Graduate Studies Faculty of Commerce Department of Business Administration Detecting Fraud in Cellular Telephone Networks "JAWWAL" Case Study By Hiyam Ali El Tawashi Supervised By Prof. Yousef Hussein Ashour “A Thesis Presented in Partial Fulfillment of the Requirement for the Degree in "MBA" August, 2010 ﺑﺴﻢ ﺍﷲ ﺍﻟﺮﲪﻦ ﺍﻟﺮﺣﻴﻢ (ﻭﺇِﻥ ﻳﺮِﻳﺪﻭﺍْ ﺃَﻥ ﻳﺨْﺪﻋﻮﻙَ ﻓَﺈِﻥ ﺣﺴﺒﻚ ﺍﻟﻠّﻪ ﻫﻮ ﺍﻟﱠﺬﻱ ﺃَﻳﺪﻙَ ﺑِﻨﺼﺮِﻩ ﻭﺑِﺎﻟْﻤﺆﻣﻨﲔ ) [ﺍﻷﻨﻔﺎل: 62] III Detecting Fraud in Cellular Telephone Networks "JAWWAL" Case Study ABSTRACT Telecommunication fraud is a problem that has grown dramatically over the past ten years. Fraud become a serious global issue for mobile network service providers, it has undoubtedly become a significant source of revenue losses and bad debts to telecommunication industry, and with the expected continuing growth in revenue it can be expected that fraud will increase proportionally. The research project therefore, focused on how Jawwal Company managing and detecting the fraud, in order to modify the current tools for more effective fraud prevention and detection, for this reason the researcher undertook a set of actions that are reported as follow: First step it was necessary to understand the problem of telecom fraud, then to know what makes people perpetrate the fraud, and which are the most prevalent fraud types that are occurring, clarifying which is the likely products and services to be attacked, what source of information to facilitate the fraud, how fraudsters perpetrate the fraud finally explaining the fraud detection and prevention procedures. Then apply the study on Jawwal Company as study case, by distributing 200 questionnaires to targeted sections, and analyzing the result which shows that the current fraud management at Jawwal Company is not efficient and needs to be modified.
    [Show full text]
  • Low-Cost So Id the Schematic for Ele Apture and Pawing Rogram That's Telco in a Box Right for You! Test Your Telephone Devices with This Phone-Line Simulator
    SEPTEMBER 1995 EleconicsCombined with Electronics® e help you Low-Cost So Id the schematic For Ele apture and pawing rogram that's Telco In A Box right for you! Test your telephone devices with this phone-line simulator Build Your Own SIMM Memory Modules Recycle your old memory and save a bundle! Over/Under Voltage Monitor Protect your sensitive electronic equipment from sags and surges $3.50 U.S. 0 9 > Carbon-Monoxide Detector $3.95 CAN. This easy-to-build unit 091 28 48783 could save your life! www.americanradiohistory.com A cr as courser in why you can always count on -- -- Fluke meters. := Professionals know Fluke never lets you down. Every day, you're asked to rise to new challenges. You need a test tool as tough as your job. True story: a tech working atop a 170 -foot tower accidentally knocks his Fluke 23 meter and an industrial -grade screwdriver over the edge. Straight down they fall, crashing to the asphalt below. He goes down. His screwdriver's handle is shattered. Expecting the worst, he gingerly picks up his Fluke meter and smiles. All that's broken is a fuse. He snaps in another, goes right back up and continues testing with the same Fluke 23. No harm to the meter - or the pocketbook. Unbelievable? Not when you consider every rotary knob, keypad, and switch on every Fluke meter must pass strict testing for drops, intense heat or cold, electrical overloads, and years of harsh wear and tear. What's more, Fluke meters are built in an ISO 9001 certified factory.
    [Show full text]
  • 876-Scam: Jamaican Phone Fraud Targeting Seniors: Hearing
    S. HRG. 113–806 876–SCAM: JAMAICAN PHONE FRAUD TARGETING SENIORS HEARING BEFORE THE SPECIAL COMMITTEE ON AGING UNITED STATES SENATE ONE HUNDRED THIRTEENTH CONGRESS FIRST SESSION WASHINGTON, DC WEDNESDAY, MARCH 13, 2013 Serial No. 113–2 Printed for the use of the Special Committee on Aging ( Available via the World Wide Web: http://www.fdsys.gov U.S. GOVERNMENT PUBLISHING OFFICE 81–474 PDF WASHINGTON : 2016 For sale by the Superintendent of Documents, U.S. Government Publishing Office Internet: bookstore.gpo.gov Phone: toll free (866) 512–1800; DC area (202) 512–1800 Fax: (202) 512–2104 Mail: Stop IDCC, Washington, DC 20402–0001 VerDate Sep 11 2014 13:08 Jun 23, 2016 Jkt 097434 PO 00000 Frm 00001 Fmt 5011 Sfmt 5011 C:\DOCS\81474.TXT SHAWN DeShaun on LAP51NQ082 with DISTILLER SPECIAL COMMITTEE ON AGING BILL NELSON, Florida, Chairman RON WYDEN, Oregon SUSAN M. COLLINS, Maine ROBERT P. CASEY JR, Pennsylvania BOB CORKER, Tennessee CLAIRE MCCASKILL, Missouri ORRIN HATCH, Utah SHELDON WHITEHOUSE, Rhode Island MARK KIRK, Illinois KIRSTEN E. GILLIBRAND, New York DEAN HELLER, Nevada JOE MANCHIN III, West Virginia JEFF FLAKE, Arizona RICHARD BLUMENTHAL, Connecticut KELLY AYOTTE, New Hampshire TAMMY BALDWIN, Wisconsin TIM SCOTT, South Carolina JOE DONNELLY Indiana TED CRUZ, Texas ELIZABETH WARREN, Massachusetts KIM LIPSKY, Majority Staff Director PRISCILLA HANLEY, Minority Staff Director (II) VerDate Sep 11 2014 13:08 Jun 23, 2016 Jkt 097434 PO 00000 Frm 00002 Fmt 5904 Sfmt 5904 C:\DOCS\81474.TXT SHAWN DeShaun on LAP51NQ082 with DISTILLER CONTENTS Page Opening Statement of Ranking Member Susan M. Collins ................................. 1 Statement of Chairman Bill Nelson ......................................................................
    [Show full text]
  • Fighting Fraud: Senate Aging Committee Identifies Top 10 Scams Targeting Our Nation’S Seniors
    United States Senate Special Committee on Aging Fighting Fraud: Senate Aging Committee Identifies Top 10 Scams Targeting Our Nation’s Seniors Senator Susan M. Collins (R-ME), Chairman Senator Robert P. Casey, Jr. (D-PA), Ranking Member Tips from the United States Senate Special Committee on Aging for Avoiding Scams • Con artists force you to make decisions fast and may threaten you. • Con artists disguise their real numbers, using fake caller IDs. • Con artists sometimes pretend to be the government (e.g. IRS). • Con artists try to get you to provide them personal information like your Social Security number or account numbers. • Before giving out your credit card number or money, please ask a friend or family member about it. • Beware of offers of free travel! If you receive a suspicious call, hang up and please call the U.S. Senate Special Committee on Aging’s Fraud Hotline at 1-855-303-9470 Note: This document has been printed for information purposes. It does not represent either findings or recommendations formally adopted by the Committee. Protecting Older Americans Against Fraud Unitedi d SSStates Senate SiSpeciall CommitteeCi on Aging i Table of Contents Dear Friends ...........................................................................................................................................3 Top 10 Most-Reported Scams ................................................................................................................4 Abbreviations ..........................................................................................................................................6
    [Show full text]