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Identity Theft
and
Strategies for Crime Prevention
National Crime Prevention Council 2006
Objectives
 Define identity theft
 Discuss why you should worry about it
 Examine how identity theft occurs
 Look at h...
What Is Identity Theft?
 One person, using information gathered from

some source, takes on the identity of another
perso...
What Is NOT Identity Theft?
 Someone using your credit card with

your knowledge and consent to make a
purchase
 Someone...
Why Worry About Identity
Theft?





One in 33 households discovered at least one type of
ID theft during the previous ...
Why Worry About Identity
Theft? (cont.)
 U.S. adult victims of identity fraud in 2005 =

9.3 million.
 In 2005, total on...
Four Key Points
 People are not helpless in protecting

themselves from ID theft.
 Consumers do not bear the brunt of th...
Why Worry About Identity
Theft? (cont.)
 Deterrence and apprehension are not yet

effective. Prevention is the best defen...
How Identity Theft Works
STEP 1—Getting the Identity


The thief or thieves look for information in any
number of ways
– ...
How Identity Theft Works
STEP 1—Getting the Identity (cont.)





Some thieves go “wholesale” by getting lists of
infor...
How Identity Theft Works
STEP 2—Exploiting the Identity


With the information that becomes available, the thief
may have...
How Identity Theft Works
STEP 2—Exploiting the Identity (cont.)


The thief may simply begin leveraging one piece of
info...
How Identity Theft Works
STEP 3—Discovering the Theft




The thief continues to build a “persona” using the
victim’s na...
How Identity Theft Works
STEP 3—Discovering the Theft (cont.)




The thief might abandon the victim’s identity because
...
How Identity Theft Works
STEP 4—Reporting and Restoring




The victim reports the theft to the local police and to
the...
How Identity Theft Works
STEP 4—Reporting and
Restoring (cont.)
 The victim can also file an online report and

affidavit...
Frequently Asked Questions

National Crime Prevention
Council 2006

17
Where and How Do They
Get My Information ?
 Telephone calls asking you to “update records”
 Theft of incoming bills, whi...
Where and How Do They
Get My Information? (cont.)
 Redirection of stolen mail, where the thief

files a change of address...
Where and How Do They
Get My Information? (cont.)
What is “phishing”?
 The Internet is a new, convenient, and
trusted way...
Where and How Do They
Get My Information? (cont.)
What is “phishing”? (cont.)
 They create a phony reason why you need
to...
Where and How Do They
Get My Information? (cont.)
More places…
 Going through trash to recover bills
 Credit card receip...
Sample “Phishing” Email

National Crime Prevention
Council 2006

23
How To Avoid a “Phishing” Scam
Tips from the FTC:
 If you get an email or pop-up message that

asks for personal or finan...
How To Avoid a “Phishing” Scam
(cont.)
Tips from the FTC:
 If you are concerned about your account,

contact the organiza...
How To Avoid a “Phishing” Scam
(cont.)
More tips from the FTC
 Don’t email personal or financial information.

If you ini...
How To Avoid a “Phishing” Scam
(cont.)
More tips from the FTC
 A “lock” icon on the browser’s status bar or a

URL for a ...
How To Avoid a “Phishing” Scam
(cont.)


Use antivirus software and keep it up to date.
Some phishing emails contain soft...
How To Avoid a “Phishing” Scam
(cont.)
 A firewall helps make you invisible on the

Internet and blocks all communication...
Why is ID Theft on the Rise?
 Computers have made record keeping

faster. Automation also removes human
analysis, making ...
Why is ID Theft on the Rise?
(cont.)
 Mobility means that many of us shop in stores

all over our communities, regions, o...
What Can We Do About It?
 Consumer education, like the information

we’re sharing today, helps you reduce your
risk of be...
What Can We Do About It?
(cont.)
 New ways are being found to tighten

security on electronic payment systems and
to dete...
What Can We Do About It?
(cont.)
 New shredders are coming into the market,

making thorough document destruction easier
...
Who Is Vulnerable?
People who
 Keep their money in bank accounts
 Use credit or debit cards
 Generate trash with unshre...
Who Is Vulnerable?
(cont.)
People who
 Don’t regularly check their credit bureau
reports
 Have accessible mail boxes

Na...
Prevention
 Check your bank, credit card, and similar

statements monthly. Make sure you receive
them and make sure the c...
Prevention (cont.)
 Consider registering with the Direct Marketing

Association to stop unsolicited credit offers.
 NEVE...
Prevention (cont.)
 Rip up receipts if you will not need them for

warranties or returns.
 Shred any unwanted credit, lo...
Prevention (cont.)
 Do not give out your real name or other

personal information in Internet chat rooms.
Use a screen na...
Review: Coping With Identity Theft
 File a police report immediately.
 Notify the three major credit bureaus

and each o...
Review: Coping With ID Theft
(cont.)
 Check credit reports, immediately report any

incorrect activity, and ensure that a...
Review: Coping With Identity
Theft (cont.)
 Check court records in your general area for

bankruptcies and for mortgage l...
Encourage Everyone to…
 Review their habits about handling personal

information.
 Take prevention strategies to heart –...
Online Resources
 Federal Trade Commission: www.ftc.gov
 Department of Justice:

www.usdoj.gov/criminal/fraud/idtheft.ht...
Online Resources
 Many nonprofit organizations are committed to

promoting prevention and recovery from identify
theft. H...
National Crime Prevention
Council
1000 Connecticut Avenue, NW
Thirteenth Floor
Washington, DC 20036
202-466-6272
www.ncpc....
Presenter Contact Information

National Crime Prevention
Council 2006

48
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  • Mention that the National Crime Prevention Council, in partnership with the Bureau of Justice Assistance, is the creator of this PowerPoint. After welcoming the participants, read and review each objective.
    Ask if there are any questions about the material that will be covered during the presentation.
    You may want to write a list of expectations for the training and then review this list at the end of the presentation to ensure that participants were satisfied. Or you may want to create a “parking lot” of questions or issues that may be addressed by the presentation. You can add to the list during the presentation and then review it at the end. Participants with unanswered questions or requests can be referred to additional resources.
  • Before the presentation, research local data (if available) on cases of identity
    theft. Check with the consumer protection bureau, local police department, state
    attorney general’s office, prosecutor’s office, etc.
  • You may want to find local numbers for this section.
    What cases or what number of crimes have taken place in your area?
    Check with the consumer protection bureau, local police department, prosecutor’s office, etc.
  • Emphasize that identity thieves are finding new ways to operate every day and remind participants that being cautious and vigilant is the key to preventing ID theft.
  • Make the connection between identity theft and methamphetamine use as one example.
  • Various forms of identification can be created to give a thief access to even more of your personal information and assets.
    State and federal governments are working to make it harder to create fake state identification cards and Social Security cards.
  • Depending on the audience’s concern you may want to explain the procedure of filing a report and affidavit online with the FTC.
    Go to the website for specifics.
  • Remind participants that email is not secure, and they should never send personal information over email because it can be stolen by any hacker.
  • Phony emails claiming to be from eBay, Amazon.com, and other well-known companies have appeared.
    Encourage participants to report suspicious activity to the Federal Trade Commission. Spam that is phishing for information should be forwarded to spam@uce.gov.
    Phony emails often claim that the recipient must respond at once and that there will be serious consequences for not providing information, as in the fake SunTrust email shown in this slide. It reads, “This process is mandatory, and if not completed... your account or credit card may be subject to temporary suspension.” This is a sure indicator that the email is phony!
    Ironically, the fake SunTrust email claims that the email shown is the bank’s response to fake emails claiming to be from SunTrust!
  • For these new crimes, new safeguards and forms of government assistance are still being created.
    Update local information via your consumer protection office or state attorney general’s office. Check out www.ftc.gov for the most recent measures to prevent identity theft and protect victims.
  • Cite examples
  • Encourage participants to remember the phrase, “Don’t risk it, shred it.”
  • Emphasize that this information applies to everyone! Stress the point that identity thieves don’t target people by age, race, ethnicity, or location. Everyone is a potential victim.
  • Note the difference that taking swift action can make.
    The longer the thief has to exploit a person’s identity, the more harm will be done and the more time and money and heartache it will take to repair the damage and restore the victim’s good credit.
  • Return to the list of objectives and items in the “parking lot.” Review each item, and summarize the key points covered during the presentation relating to that item.
  • Add your contact information to this slide.
  • Transcript of "V1identity theft-and-strategies-for-crime-prevention-1219264437966000-9 (1)"

    1. 1. Identity Theft and Strategies for Crime Prevention National Crime Prevention Council 2006
    2. 2. Objectives  Define identity theft  Discuss why you should worry about it  Examine how identity theft occurs  Look at how identity theft has emerged  Discuss what is being done about identity theft  Look at ways to protect yourself National Crime Prevention Council 2006 2
    3. 3. What Is Identity Theft?  One person, using information gathered from some source, takes on the identity of another person without permission and conducts a variety of activities using that identity.  The intent is to use that identity for personal gain, generally with the intent to defraud others. National Crime Prevention Council 2006 3
    4. 4. What Is NOT Identity Theft?  Someone using your credit card with your knowledge and consent to make a purchase  Someone properly exercising a legally granted power of attorney on your behalf  Someone making up a fake name and signing into a hotel - this may be a crime, but it’s not identity theft National Crime Prevention Council 2006 4
    5. 5. Why Worry About Identity Theft?    One in 33 households discovered at least one type of ID theft during the previous 12 months. Households headed by persons age 18-24 and those with the highest incomes were the most likely victims. One in five victimized households spent about one month resolving problems resulting from ID theft. Source: “First Estimates from the National Crime Victimization Survey, Identity Theft, 2004 Bureau of Justice Statistics Bulletin National Crime Prevention Council 2006 5
    6. 6. Why Worry About Identity Theft? (cont.)  U.S. adult victims of identity fraud in 2005 = 9.3 million.  In 2005, total one-year fraud amount = $54.4 billion. (Source: Javelin Strategy and Research 2006 Identity Fraud Survey Report www.javelinstrategy.com) National Crime Prevention Council 2006 6
    7. 7. Four Key Points  People are not helpless in protecting themselves from ID theft.  Consumers do not bear the brunt of the loss.  Internet use does not increase risk of ID fraud.  Seniors are not the most frequent targets of identity thieves. (Source: Javelin Strategy and Research 2006 Identity Fraud Survey Report www.javelinstrategy.com) National Crime Prevention Council 2006 7
    8. 8. Why Worry About Identity Theft? (cont.)  Deterrence and apprehension are not yet effective. Prevention is the best defense.  There are jurisdictional problems concerning where the crime occurs.  It is an attractive crime to criminals because of its low risk and high return. National Crime Prevention Council 2006 8
    9. 9. How Identity Theft Works STEP 1—Getting the Identity  The thief or thieves look for information in any number of ways – Discarded documents in the trash – Receipts from purchases – Lost or stolen wallets or purses – Online “phishing” for personal data – Stolen mail from mailboxes – Thieves are thinking of new, inventive ways every day. National Crime Prevention Council 2006 9
    10. 10. How Identity Theft Works STEP 1—Getting the Identity (cont.)    Some thieves go “wholesale” by getting lists of information on individuals through computer hacking, theft, or bribery. The information may be resold to other crooks or used numerous times by the original thief or thieves. Profits may be used to support additional criminal activities such as drug use and terrorism. National Crime Prevention Council 2006 10
    11. 11. How Identity Theft Works STEP 2—Exploiting the Identity  With the information that becomes available, the thief may have false IDs made – A state driver’s license with the thief’s picture and the victim’s name – Non-driver’s state license – Social Security card – Employer ID – Credit cards National Crime Prevention Council 2006 11
    12. 12. How Identity Theft Works STEP 2—Exploiting the Identity (cont.)  The thief may simply begin leveraging one piece of information to obtain or establish other information or assets. These may include – New credit card accounts – State or local licenses – Accounts with utility companies, apartment leases, or even home mortgages. National Crime Prevention Council 2006 12
    13. 13. How Identity Theft Works STEP 3—Discovering the Theft   The thief continues to build a “persona” using the victim’s name, good credit, and even good character references. The thief never pays the bills, but the victim is left with a bad name and ruined credit. Eventually, the victim tries to get a new credit account and is turned down, or gets a bill for a credit card he or she never owned, or starts getting calls from bill collectors. National Crime Prevention Council 2006 13
    14. 14. How Identity Theft Works STEP 3—Discovering the Theft (cont.)   The thief might abandon the victim’s identity because he or she has “spoiled” the name of the victim (e.g., with a criminal offense or bankruptcy). When the crime or ruined credit is discovered, the victim is left to clean up the mess. National Crime Prevention Council 2006 14
    15. 15. How Identity Theft Works STEP 4—Reporting and Restoring    The victim reports the theft to the local police and to the nation’s major credit bureaus. The victim asks the credit bureaus to note the identity theft crime on his or her credit report. The victim may need to consult with a local victim’s assistance agency or an attorney to obtain information on the necessary, specific steps in a given state. National Crime Prevention Council 2006 15
    16. 16. How Identity Theft Works STEP 4—Reporting and Restoring (cont.)  The victim can also file an online report and affidavit with the Federal Trade Commission registry at www.ftc.gov. Go to the identity theft section. National Crime Prevention Council 2006 16
    17. 17. Frequently Asked Questions National Crime Prevention Council 2006 17
    18. 18. Where and How Do They Get My Information ?  Telephone calls asking you to “update records”  Theft of incoming bills, which show your account number  Theft of outgoing mail and bill payments. National Crime Prevention Council 2006 18
    19. 19. Where and How Do They Get My Information? (cont.)  Redirection of stolen mail, where the thief files a change of address on your credit card bills  “Phishing” in which the sender sends out an email or pop-up message that looks like it came from a real bank or credit card company and asks for identifying information. Legitimate companies will never do this. National Crime Prevention Council 2006 19
    20. 20. Where and How Do They Get My Information? (cont.) What is “phishing”?  The Internet is a new, convenient, and trusted way to do business, but it also has allowed criminals to create illegitimate emails or pop-up messages posing as your bank, credit card, or utility company. National Crime Prevention Council 2006 20
    21. 21. Where and How Do They Get My Information? (cont.) What is “phishing”? (cont.)  They create a phony reason why you need to give them your personal information (e.g., bank routing number, Social Security number).  They use the ease of online transactions to their advantage, hoping you will be fooled. National Crime Prevention Council 2006 21
    22. 22. Where and How Do They Get My Information? (cont.) More places…  Going through trash to recover bills  Credit card receipts that you discard or toss out with a shopping bag  Noticing a bill you tossed in a public trash can  Second impressions of credit cards  Casual use of Social Security numbers Crime and otherNational2006 identifiers 22 similar Prevention Council
    23. 23. Sample “Phishing” Email National Crime Prevention Council 2006 23
    24. 24. How To Avoid a “Phishing” Scam Tips from the FTC:  If you get an email or pop-up message that asks for personal or financial information, do not reply or click on the link in the message. Legitimate companies don’t ask for this information via email. National Crime Prevention Council 2006 24
    25. 25. How To Avoid a “Phishing” Scam (cont.) Tips from the FTC:  If you are concerned about your account, contact the organization using its legitimate telephone number or open a new Internet browser and type in the company’s correct web address. National Crime Prevention Council 2006 25
    26. 26. How To Avoid a “Phishing” Scam (cont.) More tips from the FTC  Don’t email personal or financial information. If you initiate a transaction and want to provide your personal or financial information through an organization’s website, look for indicators that the site is secure. National Crime Prevention Council 2006 26
    27. 27. How To Avoid a “Phishing” Scam (cont.) More tips from the FTC  A “lock” icon on the browser’s status bar or a URL for a website that begins “https:” (the “s” stands for “secure”) indicates that you are on a secure site.  Unfortunately, no indicator is foolproof; some phishers have forged security icons. National Crime Prevention Council 2006 27
    28. 28. How To Avoid a “Phishing” Scam (cont.)  Use antivirus software and keep it up to date. Some phishing emails contain software that can harm your computer or track your activities on the Internet without your knowledge. Antivirus software scans incoming communications for troublesome files. Look for antivirus software that recognizes current viruses as well as older ones that can effectively reverse the damage and that updates automatically. National Crime Prevention Council 2006 28
    29. 29. How To Avoid a “Phishing” Scam (cont.)  A firewall helps make you invisible on the Internet and blocks all communications from unauthorized sources. It’s especially important to run a firewall if you have a broadband connection. Finally, your operating system (e.g., Windows or Linux) may offer free software “patches” to close holes in the system that hackers or phishers could exploit. National Crime Prevention Council 2006 29
    30. 30. Why is ID Theft on the Rise?  Computers have made record keeping faster. Automation also removes human analysis, making it easier for someone to steal an identity or pose as another person.  More and more transactions are being handled electronically, and that trend is continuing to increase dramatically.  More computer hackers now go for monetary returns, not for the thrill of conquering another computer. National Crime Prevention Council 2006 30
    31. 31. Why is ID Theft on the Rise? (cont.)  Mobility means that many of us shop in stores all over our communities, regions, or the country, so we are more anonymous than ever.  Many of us find it hard to believe that ID theft could happen to us, even though millions are victims each year. National Crime Prevention Council 2006 31
    32. 32. What Can We Do About It?  Consumer education, like the information we’re sharing today, helps you reduce your risk of becoming a victim.  Education is an ongoing process as new technologies and new criminal techniques emerge.  Information about prevention and ways to stop ID theft spread quickly as well. National Crime Prevention Council 2006 32
    33. 33. What Can We Do About It? (cont.)  New ways are being found to tighten security on electronic payment systems and to detect “out of the ordinary” purchase patterns.  Some credit card payment systems now signal only the last four digits of your card number, so that someone who steals your receipt can’t steal your good name. National Crime Prevention Council 2006 33
    34. 34. What Can We Do About It? (cont.)  New shredders are coming into the market, making thorough document destruction easier at home. “Don’t risk it, shred it.” National Crime Prevention Council 2006 34
    35. 35. Who Is Vulnerable? People who  Keep their money in bank accounts  Use credit or debit cards  Generate trash with unshredded paper in it  Casually toss credit card or other receipts into public receptacles  Get personal bills by mail or electronically  Don’t check their credit card reports and bank statements National Crime Prevention Council 2006 35
    36. 36. Who Is Vulnerable? (cont.) People who  Don’t regularly check their credit bureau reports  Have accessible mail boxes National Crime Prevention Council 2006 36
    37. 37. Prevention  Check your bank, credit card, and similar statements monthly. Make sure you receive them and make sure the charges are yours.  Immediately call your bank or credit card companies if you don’t receive your bill. National Crime Prevention Council 2006 37
    38. 38. Prevention (cont.)  Consider registering with the Direct Marketing Association to stop unsolicited credit offers.  NEVER provide account information over the Internet or the telephone unless you originated the call and unless you are absolutely certain of the party to whom you are speaking. National Crime Prevention Council 2006 38
    39. 39. Prevention (cont.)  Rip up receipts if you will not need them for warranties or returns.  Shred any unwanted credit, loan, or credit card offers – or at least cut them up with scissors – before putting them in the trash. National Crime Prevention Council 2006 39
    40. 40. Prevention (cont.)  Do not give out your real name or other personal information in Internet chat rooms. Use a screen name.  Do not authorize others to use your credit cards. They may not take the same care that you do.  Deposit mail in a U.S. Postal Service mailbox.  Make sure your mailbox is secure. National Crime Prevention Council 2006 40
    41. 41. Review: Coping With Identity Theft  File a police report immediately.  Notify the three major credit bureaus and each of your credit or debit card issuers of the identity theft and ask that appropriate alerts and closures be filed.  File a report with the Federal Trade Commission’s Complaint Center and obtain an ID Theft Affidavit, which is available online at www.ftc.gov. National Crime Prevention Council 2006 41
    42. 42. Review: Coping With ID Theft (cont.)  Check credit reports, immediately report any incorrect activity, and ensure that a fraud alert is active on your account.  Carry copies of documents with you – the police report, the affidavit, and any other formal records that attest to your identity – in case of emergency. National Crime Prevention Council 2006 42
    43. 43. Review: Coping With Identity Theft (cont.)  Check court records in your general area for bankruptcies and for mortgage liens using your name. Many records are automated, which makes the job easier. National Crime Prevention Council 2006 43
    44. 44. Encourage Everyone to…  Review their habits about handling personal information.  Take prevention strategies to heart – and encourage others to do so.  Speak out about the need for preventive action and laws that protect identity theft victims. National Crime Prevention Council 2006 44
    45. 45. Online Resources  Federal Trade Commission: www.ftc.gov  Department of Justice: www.usdoj.gov/criminal/fraud/idtheft.html  Better Business Bureau: www.bbb.org  United States Postal Service: www.usps.com  National Criminal Justice Reference Service: www.ncjrs.gov National Crime Prevention Council 2006 45
    46. 46. Online Resources  Many nonprofit organizations are committed to promoting prevention and recovery from identify theft. Here are a few: www.idtheftcenter.com/index.shtml www.identitytheft.org/ www.privacyrights.org/identity.htm National Crime Prevention Council 2006 46
    47. 47. National Crime Prevention Council 1000 Connecticut Avenue, NW Thirteenth Floor Washington, DC 20036 202-466-6272 www.ncpc.org National Crime Prevention Council 2006 47
    48. 48. Presenter Contact Information National Crime Prevention Council 2006 48
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