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CJ230

CJ230. Unit 9 Seminar. Expectations for the Week. Read Chapter 13 in Contemporary Criminal Law Respond to the Discussion Board question Attend the Seminar Complete the Final Project Review the Supporting Materials Visit Take A Break! Take the Final Exam.

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CJ230

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  1. CJ230 Unit 9 Seminar

  2. Expectations for the Week • Read Chapter 13 in Contemporary Criminal Law • Respond to the Discussion Board question • Attend the Seminar • Complete the Final Project • Review the Supporting Materials • Visit Take A Break! • Take the Final Exam

  3. Questions regarding Unit 8 or this week’s expectations?

  4. Seminar Topic Identity Theft

  5. Identity Theft Also know as identity fraud, ID theft and ID fraud - is fraud perpetrated by a criminal who assumes someone else's identity in order to profit illegally. http://www.id-theft-info.com/

  6. Methods by which identity theft occurs • Shoulder surfing (at the ATM) • Dumpster Diving (Sifting through trash) • Theft of wallet, purse backpack • Theft of mail (pre-approved credit card applications) • Theft of receipts from retailers (restaurants, stores) • Phishing Schemes (email used by imposters posing as banks and other entities to gain personal information) Paypal, Nigerian lottery

  7. Types of crime that can occur with stolen identity • Credit card fraud • Lease of apartment in another’s name • Bank fraud (use of debit card, ATM card, application for loans, etc) • Obtaining government benefits (ex. Use of city utilities in another’s name, use of health benefits ex. Mass Health) • Filing of fraudulent tax returns

  8. Internet’s affect on identity theft • Ease of information for hackers • Loss of privacy controls • Carelessness of consumers in protecting their information online

  9. Detection and Prevention of identity theft • Careful monitoring of finances (bank and credit card statements) • Report issues immediately • Shred all documents • Frequently change online passwords • Do not give out personal information • Get a copy of your credit report once/year

  10. Identity Theft and Assumption Deterrence Act of 1998 • Title 18 of U.S. Code Section 1028 makes identity theft a Federal crime with penalties up to 15 years imprisonment and a maximum fine of $250,000. • It establishes that the person whose identity was stolen is a true victim. Previously, only the credit grantors who suffered monetary losses were considered victims. • This legislation enables the Secret Service, the Federal Bureau of Investigation, and other law enforcement agencies to combat this crime.

  11. State law Example of MA law in part: “…Whoever, with intent to defraud, poses as another person without the express authorization of that person and uses such person’s personal identifying information to obtain or to attempt to obtain money, credit, goods, services, anything of value, any identification card or other evidence of such person’s identity, or to harass another shall be guilty of identity fraud and shall be punished by a fine of not more than $5,000 or imprisonment in a house of correction for not more than two and one-half years, or by both such fine and imprisonment…” M.G.L. Ch. 266 Sec. 37E

  12. Statistics on Identity Theft • · 1.1 million adults were victims of identity theft in 2009 • · The total fraud amount was $54 billion • · The average victim spent 21 hours and $373 out of pocket resolving the crime • · 4.8% of the population was a victim of identity fraud in 2009 • · 13% of identity fraud crimes were committed by someone the victim knew • Javelin 2010 Identity Theft Report http://www.prnewswire.com/news-releases/javelin-study-finds-identity-fraud-reached-new-high-in-2009-but-consumers-are-fighting-back-83987287.html

  13. Identity theft is harmful to society • 13: Identity theft is harmful to society • Takes law enforcement away from other duties • Cost to companies to increase their safeguards leads to increases in the cost of goods and services to consumers • Time taken by victims to resolve problems caused by identity theft takes them away from job and family • Great emotional strain on victims • Hurts economy when people are fearful of using credit card for e-commerce

  14. What to do if you are a victim • Contact the fraud departments of each of the three major credit bureaus • File a report with the police • Notify all creditors and banks • Notify law enforcement • File claim with FTC (federal trade commission) who will share your information with fraud investigating agencies • Notify any agency that deals with the identity that has been compromised (DMV, Social security office, US postal service)

  15. Questions? • erego@kaplan.edu • Office Hours: Sundays 5-7 p.m. ESt • AIM: eregocjs • 508-728-6043

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