Summary

• AI is being used to personalize phishing, clone voices, and produce more convincing fake websites, messages, and calls.
• Phishing, spoofing, investment scams, and crypto fraud are the most consistently cited loss drivers.
• FBI and FTC reporting points to record-scale consumer losses and rising complaint volume.
• Older adults, especially people over 60, account for a large share of reported losses.
• Scams increasingly exploit real breach news, official-looking branding, and urgency to pressure victims.
• Guidance across the material emphasizes verification through official channels rather than links or caller ID alone.
• Security controls and response measures focus on email authentication, filtering, credential resets, and incident reporting.