This document discusses fraud trends in the automotive industry. It provides data on the percentage of fraudulent applications, types of fraud, characteristics of fraudsters, geographic fraud patterns, and emerging cybercrime threats. Key points include that hidden adverse fraud is the most common type of automotive fraud, urban areas have higher rates of fraudulent applications, and cybercriminals are becoming more sophisticated in their methods. The document advocates balancing customer convenience with fraud risk mitigation through online verification processes and identity validation tools.