Elder Abuse

LOVE Artist’s Estate in Litigation

The man who took care of Robert Indiana in the last years of his life, told a probate court hearing Wednesday that he was paid roughly $250,000 a year to tend to the aging artist, whose estate and legacy are now the subject of acrimony and lawsuits.

Under questioning by a lawyer representing the estate, caretaker, Jamie L. Thomas said he’d been earning $1,000 a week in 2013, when he started taking care of artist Robert Indiana, who lived alone on a Maine island, until his death in May at 89.

LOVEThe New York Times’ recent article entitled “Robert Indiana’s Estate: Generosity, Acrimony and Questions” reported that by 2016, Thomas said the artist had raised his salary to $5,000 a week for round-the-clock work that included bringing him meals, taking care of his dog and helping him to bed. He was also granted Indiana’s power of attorney.

Thomas said Indiana was a generous employer and that the artist had given him at least 118 pieces of art since 2010.

At the hearing, Thomas said that over the last two years he’d withdrawn $615,000 from Indiana’s accounts at his request. He didn’t say for what Indiana used the cash, but that the artist gave him $35,000 to buy a car.

James Brannan, the lawyer who’s the executor of Indiana’s estate, said he was surprised by the large cash withdrawals. Brannan said when he visited the artist’s home soon after his death, Thomas’s wife gave him a gym bag filled with $189,000 in cash. “This is yours,” she told him, “It belongs to the estate.”

Brannan isn’t certain if that cash is part of the $615,000 that was withdrawn.

John Frumer, the lawyer representing Thomas, said the hearing paints an incomplete picture.

“There’s much more to the story than it appears,” Frumer said. “Because it’s a limited proceeding, not all of the facts came out, and they will in time.”

Brannan asked the Knox County Probate Court to help clear up multiple questions that have swirled about Indiana’s finances in recent months. He said he wanted to clarify whether any money is owed to the estate, get an inventory of all the art works Indiana left behind and to address accusations that are contained in a separate lawsuit claiming Thomas and a New York art publisher made unauthorized works under Indiana’s name in recent years. That action was filed a day before Indiana’s death, by Morgan Art Foundation, an international dealer that claims the rights to many of the artist’s works, including the famous LOVE image. The suit claims that publisher Michael McKenzie and Thomas intentionally isolated Indiana from friends and business associates to sell inauthentic artwork attributed to him.

McKenzie said he had returned to the estate all the Indiana artworks that might belong to it. However, Brannan has said that he wants a full accounting of whether the Morgan company owes the estate money for royalty payments due on Indiana items it sold.

Indiana’s LOVE sculpture, with the letters stacked two-on-two and the tilted “O,” became one of the best-known images of the 20th century. The sculpture brought Indiana fame, but he left the New York art scene behind in 1978. He lived on the Maine island of Vinalhaven, an hour by ferry from the mainland, where the reclusive artist lived and worked, surrounded by a crew of studio assistants and workers.

Reference: New York Times (September 12, 2018) “Robert Indiana’s Estate: Generosity, Acrimony and Questions”

Awareness and Communication Can Help Head Off Elder Abuse

It’s great that overall our life expectancies have increased, but with longer lives, comes a greater risk of bad choices and financial elder abuse. There are steps you can take to protect those you love.

As we age, so does our brain. Even high functioning retirees, who have no outward signs of dementia, find it more challenging to distinguish between safe and risky investments, according to recent studies. The numbers say it all: only 7% of seniors over 60 have dementia, but nearly a third of those who are 85 years old or older have dementia.

MP900407501If you’re a senior or you have one in your life, it’s critical to know how to prevent abuse. The Kansas City Star provides some helpful ways to prevent abuse in its recent article, “Five ways to avoid elder financial abuse.”

Communication. Speak with your elderly loved ones on a regular basis to check in on their health and their activities. Remind them to maintain safe practices, like shredding receipts and account statements. You should also remind them to be cautious about opening unknown emails and that they should never give out their Social Security number or banking information online or on the phone. Keep open communication, so you can see if they’re showing any signs of confusion or mental decline.

Stay attentive. Know how your loved ones are spending time and their money. If they hire outside help, try to be involved in the hiring process and try to know their health care aides. In addition, take a look at their monthly or quarterly statements to identify any unusual, frequent, or large payments. If your loved one is showing signs of decline, ask if you can pay bills for them, so you’ll know what’s going on.

Create a system of checks and balances. Make sure that your senior has the proper estate planning documents in place that will let trusted family members help them as needed. If you have siblings or other family members, divide responsibilities and then swap responsibilities every few months.

Build professional relationships. Ask your senior to let you come to meetings with them, when visiting advisers, like their estate planning attorney.

Streamline accounts. Conduct an inventory of their financial documents. This includes their life insurance and long-term care policies, bank accounts and investment accounts. Try to make your loved one’s finances more manageable and consolidate their accounts where possible, which will make it easier to spot any unusual withdrawals or transactions.

If, despite all of your efforts, financial fraud or elder abuse takes place in your family, reach out to law enforcement in your area and talk with an elder law attorney. You can protect your loved one (or yourself) after the fact.

Reference:The Kansas City Star (September 8, 2018) “Five ways to avoid elder financial abuse”

The Empire State Takes Steps to Protect Seniors from Abuse

Governor Cuomo announced that services for vulnerable adults at risk of abuse, neglect or financial exploitation will be improved through a new initiative

Talk about going big–New York’s Governor Cuomo is expanding services for seniors at risk of elder abuse with an $8.4 million package, combining state and federal funding.

MP900422370Governor Cuomo announced that services for vulnerable adults at risk of abuse, neglect or financial exploitation will be improved through a new initiative developed by the state’s Office of Victim Services and the Office for the Aging, named the Elder Abuse Interventions and Enhanced Multidisciplinary Teams Initiative.

The program will fund and support 23 existing multidisciplinary teams that are now fighting elder abuse and will establish additional teams to serve every county in the state by the fall of 2020, according to the website,longisland.com’s article, “Governor Cuomo Announces $8.4 Million To Combat Elder Abuse And Financial Exploitation Statewide.”

"New York remains steadfast in its commitment to protecting one of our most vulnerable populations and to holding those responsible accountable for their actions," Governor Cuomo said. "By expanding upon existing efforts to ensure we are able to serve every county in the state, we can prevent harm to vulnerable adults, reduce risk of exploitation and save lives."

Over the next three years, the Office of Victim Services will provide $2 million in federal funding each year, and the Office for the Aging will provide another $500,000 in state funding annually to create the E-MDT Initiative. The teams are staffed by professionals from aging services, adult protective, health care, financial services, criminal justice, victim assistance, mental health, and other disciplines. They will coordinate investigations and develop interventions to thwart elder abuse. The teams assist adults age 60 or older, who are at risk for harm or exploitation due to physical limitations, cognitive impairment or dementia and social isolation.

The Office for the Aging is working with Lifespan and Weill Cornell Medicine's NYC Elder Abuse Center to manage, monitor and distribute the funding this year. The funding will maintain and expand current enhanced multidisciplinary teams and create more teams to ensure that every county in the state is represented. The funds will also help to provide technical assistance and training; collect data; and provide teams with forensic accounting, geriatric psychiatry services, and community legal services, when appropriate for the cases they’re handling.

The federal funding lets the state use additional funds to support 23 existing multidisciplinary teams.

Chair of the Assembly Standing Committee on Aging, Assembly Member Donna Lupardo said, "New York seniors deserve to age independently and with dignity. Unfortunately, this freedom is often threatened by criminals who target them for exploitation. By establishing and funding multidisciplinary teams in every county across New York, we will provide seniors with a powerful ally to help protect and support them. I would like to especially thank Governor Cuomo and all of my partners in state government for these important resources needed to reduce elder abuse."

Crime victims who were 60 or older filed more than 4,000 claims for assistance that were approved by the Office of Victim Services between 2015 and 2017. This is roughly 17% of the more than 23,000 claims awarded by the agency over that two-year period.

If the budget and the effort sounds oversized, it’s not. A state-funded study in 2011 found that for every single case of abuse reported to adult protective services or other authorities, there are 23.5 cases that are not reported. In addition, a 2016 study from the Office of Children and Family Services found that the financial exploitation costs vulnerable adults and the state at least $1.5 billion every year.

Reference: longisland.com (August 1, 2018) “Governor Cuomo Announces $8.4 Million To Combat Elder Abuse And Financial Exploitation Statewide”

New Tax Law Calls for An Estate Plan Review

When was the last time you reviewed your estate plan?

Don’t assume that the new tax law means that you don’t need an estate plan. If anything, you need to review your estate plan to make sure you’re not missing out on any new opportunities.

25543329453_9991c191f2_oWhen was the last time you reviewed your estate plan? If it’s been more than a few years, you could be risking making some big mistakes, in terms of taxes and what you leave behind for your loved ones.

The new tax law in effect doubles the federal estate-tax exemption to roughly $11.2 million per person. As a result, most people won’t be subject to federal estate tax. However, before you unfriend your estate planning attorney on social media, understand that the drastic increase in the federal exemption amount means that old wills and trusts may be in dire need of an update.

Kiplinger’s recent article, “Update Estate Plans in Light of New Tax Law,” notes that the 2017 tax reform gives new opportunities for estate planning techniques to reduce your taxes. You also still have the other benefits of estate planning to consider, such as creditor protection, strategies to protect against elder financial abuse, and maximizing bequests. However, remember that the new higher exemption amount sunsets at the start of 2026. That’s when the old $5 million exemption (adjusted for inflation) reappears.

For example, your estate plan may include a will and trust that applies formulas tied to the federal estate-tax exemption. With the new tax law, that could now have unintended consequences.

You should review your estate plan regularly, despite the legislative changes. That’s because life changes: your net worth changes, you or your children get married or divorced, grandchildren are born, and as a result, your old estate planning documents may not accurately reflect your wishes.

When you update your documents, remember your durable power of attorney. This type of gifting power may have made more sense when the federal estate tax exemption was much lower. However, with today’s higher exemption, broad gift provisions shouldn’t be included in some powers of attorney, because they leave seniors vulnerable to financial abuse.

The strategies that worked so well five or ten years ago when you last reviewed your estate plan, may be completely out of date. You may not need a complete overhaul of your estate plan, but if you haven’t reviewed your estate plan recently, including checking on all of your beneficiaries, you may be doing yourself and your loved ones more harm than good.

Reference: Kiplinger (April 28, 2018)“Update Estate Plans in Light of New Tax Law”

Indictment Unsealed in Federal Court Against Massive Mail Fraud Scheme

Federal officials announced the indictment of three people who used an old-school method—mail fraud—to scam at least $30 million from thousands of people

Thousands of consumers, many seniors, tricked into paying for promised prizes that never arrived.

MP900202201Federal officials announced the indictment of three people who used an old-school method—mail fraud—to scam at least $30 million from thousands of people across the country. The three, Tully Lovisa, Shaun Sullivan, and Lorraine Chalavoutis, were arrested and arraigned before a magistrate in Federal Court in Islip, New York.

Attorney General Jeff Sessions, Richard P. Donoghue, United States Attorney for the Eastern District of New York, and Peter R. Rendina, Inspector-in-Charge, United States Postal Inspection Service, New York Division (USPIS), announced the indictment, according to a US Department of Justicepress release titled “Three Long Island Residents Arrested In Elder Fraud Scheme”

“Earlier this year, when we announced the largest elder fraud sweep in history, we sent a clear message:  we will hold perpetrators of elder fraud schemes accountable wherever they are,” Sessions said. “When criminals steal the hard-earned life savings of older Americans, we will respond with all the tools at the Department’s disposal–criminal prosecutions to punish offenders, civil injunctions to shut the schemes down, and asset forfeiture to take back ill-gotten gains. Today’s indictment shows we are following through on this promise, and fraudsters everywhere should take note of it.”

The fake prize-promotion mailings said that recipients could receive a large cash prize, in exchange for paying a modest fee. However, none of them did. The scheme began after the Federal Trade Commission (FTC) sued Lovisa in 2010 for sending deceptive prize-promotion mailings.

In response to that suit, a federal court in California enjoined Lovisa in December 2010 and April 2012 from any involvement with prize-promotion mailings. Nonetheless, she conspired with Sullivan and Chalavoutis to create numerous prize-promotion companies using straw owners and aliases to continue defrauding consumers. Chalavoutis opened bank accounts in the name of straw owners and helped conceal the involvement of Lovisa and Sullivan in controlling the operation.

Prosecutors also claim that Lovisa submitted a false compliance report to the FTC, in which he claimed not to be involved in prize-promotion mailings. The additional wire fraud and money laundering charges involve Lovisa’s further deception of the FTC concerning the court-ordered sale of a house he owned in Nevada. According to the indictment, Lovisa arranged a sham sale of the house for $155,500 in 2012 that allowed him to maintain control of it and only give the FTC proceeds of that sale. Lovisa subsequently sold the house in April 2015 for $540,000.

Each charge carries a statutory maximum fine of $250,000, or twice the gross gain or gross loss for the offense. The defendants face up to 20 years’ maximum imprisonment for mail fraud, wire fraud and conspiracy.

Any prize that requires payment is not a prize. Seniors and anyone else should be wary, whether the prize is offered through the mail, an email or a website. Do your homework first—if an offer sounds too good to be true, chances are it’s a scam.

Reference: US Department of Justice (July 11, 2018) “Three Long Island Residents Arrested In Elder Fraud Scheme”

Elder Abuse Training for Kansas Law Enforcement and Community

A new initiative is being launched that will train law enforcement, social workers and community members to better recognize financial elder abuse.

The goal is to have more people aware of what elder abuse is and what to do when they see it. The more people who can act, from police to community members, the better.

MP900442402Under the leadership of Kansas Attorney General Derek Schmidt, a new initiative is being launched that will train law enforcement, social workers and community members to better recognize financial elder abuse.

WIBWreported in its article,“Kansas training law enforcement, community members to spot elder abuse, AG says,”that the announcement came on World Elder Abuse Awareness Day, which is  observed on June 15 every year.

Schmidt’s Senior Consumer Protection Advisory Council has worked over the past several months to create a training program that can be used to train law enforcement officers, as well as community members, on how to identify potential cases of financial abuse, especially those targeting senior citizens.

“We’re part of a generational discussion now in Kansas and around the country as the Baby Boomers retire,” said Schmidt. “If we’re going to be where we need to be, as those numbers of senior citizens continue to grow, it’s going to take more than episodic events. It’s going to require us to build widespread understanding among people who deal with seniors and who deal with the criminal justice system.”

The training programs in Kansas include victim interaction; investigating physical, sexual, and financial crimes; legal issues; consent, cognition and capacity; and general information and resources. Some of the topics are directed primarily to law enforcement personnel, while others have useful information for general audiences.

The AG noted that there are more people over 65 and more people over 80 than ever before in the history of both the U.S. and Kansas. He said those numbers are going to increase steadily for the foreseeable future. Meanwhile, as a group, these seniors will have more wealth than ever before in any demographic group in the history of the world.

About 54 law enforcement officers have already received training at two programs presented in Topeka and Shawnee. Law enforcement officers across the state will have access to online training, through a partnership with the Kansas Law Enforcement Training Center.

Reference: WIBW (June 15, 2018)“Kansas training law enforcement, community members to spot elder abuse, AG says”

How to Tackle Nursing Home Challenges

Unless you have experienced the feelings of powerlessness and confusion that often accompanies being admitted to a nursing home, it’s hard to imagine how difficult an adjustment this can be.

Unless you have experienced the feelings of powerlessness and confusion that often accompanies being admitted to a nursing home, it’s hard to imagine how difficult an adjustment this can be.

NursingPatients are not the only ones who have a tough time getting used to life in a nursing home or assisted living facility. Families are often at a loss with how to deal with a chaotic situation and often find themselves fighting with each other, as they struggle to cope.

Forbes’recent article, “How Nursing Homes Can Destroy Families,”says that we depend on the people with the most experience to help us through this. However, it does not always work out for the best. In that case, as the situation for a loved one continues to deteriorate and as family members try to address mounting issues, it can take a toll on relationships. Let’s look at some of the factors:

Poor Organization. See if there’s a clear chain of command at the nursing home and find out who you should contact with your questions. Get one person to work with in order to avoid confusion. There may be a high turnover rate among employees, so try to maintain contact with the highest-level staff member and secure a secondary contact.

Misinformation. In workplaces with high turnover, some may be unsure of their own roles. Whether the staff members are new, poorly trained, or even disinterested in their positions, this is problematic because you’re relying on these employees for critical information. To avoid this, try to discuss things with one person and document every interaction. You may consider making email your primary mode of contact, so you have a written record of everything that’s been said. That record may be valuable, if there’s an issue.

Staffing Problems.Nursing homes struggle to keep employees, especially the good ones. You may quickly see how much this impacts the quality of care at many different levels, for your loved one. This could present itself in poorly maintained rooms or poorly maintained records. An understaffed senior residence can be a dangerous place. However, there may be little that you can do. This isn’t an uncommon issue and seniors could be left being neglected. Make the effort to be friendly with the staff and show them you’re invested.It will send the message that you’re kind but persistent.

Family Fighting. Families can battle over the care plan or squabble over assets, and tempers may flare. The nursing home setting may worsen this dynamic. In addition to the frustration with any gaps in care, family members may find themselves arguing about all sorts of issues.

Medical Malpractice. In some instances, a nursing home resident can be physically or mentally harmed by negligent medical care.

An elder law attorney will be able to help you navigate through certain challenges of dealing with the nursing home. She or he will also be able to refer you to a social worker outside of the nursing home, who will be able to help your family address the emotional stress that often accompanies this type of situation.

Reference: Forbes(April 28, 2018) “How Nursing Homes Can Destroy Families”

Barred Broker and Megachurch Pastor Charged with Defrauding Elderly Churchgoers

Trusting members of the Houston church were scammed out of millions.

Trusting members of the Houston church were scammed out of millions. Instead of real financial investments, they were sold memorabilia.

MP900202201The pastor of one of the largest Protestant churches in the country, a barred broker and an attorney have been charged by the SEC (Securities and Exchange Commission) with defrauding elderly members out of $3.4 million. They were sold interests in what turned out to be worthless pre-Revolutionary Chinese bonds.

Think Advisor’sarticle, “Megachurch Pastor, Banned Broker Nabbed for Defrauding Elderly Churchgoers,”explains that the SEC’s complaint alleges that, in 2013 and 2014, Kirbyjon Caldwell, senior pastor at Windsor Village United Methodist Church in Houston, and Gregory Alan Smith, a self-described financial planner, who the Financial Industry Regulatory Authority (FINRA) barred from the broker-dealer business after his firing in 2010, targeted vulnerable and elderly investors with false claims that the bonds—collectible memorabilia with no meaningful investment value—were worth millions of dollars.

The SEC also brought actions against their attorney, Shae Yatta Harper. She’s charged with aiding and abetting their fraud.

According to the complaint against Harper, at the pastor’s instruction, “Harper drafted participation agreements in the bonds that were sent to investors,” and she also “controlled the bank account to which most investors sent their funds to invest in this investment opportunity, and distributed investor funds to Caldwell and Smith at their direction.”

Between April 2013 and August 2014, the complaint says the defendants raised at least $3.4 million through a scheme to defraud nearly 30 investors through the fraudulent offer and sale of the bonds. Some of the elderly participants liquidated their annuities and savings to participate in the scheme.

Caldwell has been a board member of various public companies. He currently serves on the board of NRG Energy, which is traded on the New York Stock Exchange. The pastor also acted as a director to a mutual fund complex during the time of the scheme. Caldwell and his wife are the co-owners of LDT LLC, a Wyoming limited liability company that received and held money from investors.

Smith, who is from Shreveport, Louisiana, was associated with a registered broker-dealer from December 1999 to July 2010, according to prosecutors. He was permanently barred from association with any FINRA member in any capacity in July 2010 for commingling investor funds in his business account and for misappropriating investor funds.

Caldwell took advantage of the trust placed in him by elderly churchgoers, exploiting their trust in an example of outright fraud and greed.

Reference: Think Advisor (March 30, 2018) “Megachurch Pastor, Banned Broker Nabbed for Defrauding Elderly Churchgoers”

Red Flags for Common Scams: How to Protect Yourself

Your personal information is valuable for scammers

Your personal information is valuable for scammers, so don’t let your guard down when sharing information or being pressed to act quickly.

RedFlagWarningMGNConsider carefully what information you are sharing online, warns Kiplinger in a recent article,“How to Spot a Scam: Here are 3 I Dodged.”While some financial scams are fairly easy to spot, others are a little trickier. Common sense and a pause to consider, could save you from making an expensive mistake!

In 2016, thieves stole more than $16 billion from 15.4 million Americans, according to a report by Javelin Strategy & Research. In many cases, it’s seniors being targeted. Research shows that one in 18 older Americans become victims of financial fraud or scams each year.

Identity theft and cybersecurity are two of the biggest financial concerns of seniors. Look at these examples of financial scams to help determine when someone is trying to rip you off:

Remember Cousin Steve… He’s your long-lost relative. Too bad he just died, but he left you a fortune! Although digital data breaches and malware are common, thieves stick to old-fashioned forms of communication, such as the phone and snail mail, to deceive their victims. Official-looking letters can be convincing.

The letter may say that a company is already in possession of the funds and could easily transfer them to you. Look closely, however, and you’ll see the flaws, many of which are also prevalent in spam emails. This includes grammatical errors and inconsistencies, and contact emails with a Gmail address—not an official company email. How did they know Steve was your relative?

Did you know crooks will purposely place errors in letters and emails to quickly eliminate more discerning individuals, who are less likely to give up valuable personal data?

Which movie star are you? When you click on online quizzes and respond to what seem like innocuous questions, what information are you giving away? Answers like the street you grew up on, or the name of your best man/maid of honor are often used as security questions on bank or credit card accounts. A little bit of harmless fun online, could lead you into a serious scam. If thieves have purchased your name, social security number and bank account information, all they need are a few quick answers to log into your accounts. Don’t give away your information so quickly!

Microsoft says I’m in trouble! What if while you’re reading this article, a window pops up on your screen that says: “*Microsoft Warning Alert*: Your computer has been hacked! Please call us immediately at 800-555-5555. Do not ignore this critical alert. If you close this page, your computer will be disabled. If you do not call in the next five minutes, your data will be lost.”

Geez, that sounds bad. I better call right away!

If you call the number listed, a member of the “Microsoft Security Team” will tell you that you have a breach on your computer. For just $550, they can clean the hard drive remotely. All you need to do is give them your banking information and then click on a link in an email they would send, which will allow remote access to your computer.

Tons of red flags here: Microsoft isn’t going to contact you about a hack on your individual computer. Come on! No one, other than a legitimate financial institution, should ever ask for your bank account information. Finally, who would ask you for remote access to your computer?

A bit of common sense and a skeptical response to any request that says you must take immediate action from an unknown source will help you from providing thieves with critical information. Don’t give your personal information to anyone who simply asks for it. Not sure? Ask a trusted advisor or family member first.

Reference: Kiplinger (February 26, 2018)“How to Spot a Scam: Here are 3 I Dodged”

Massive Sweep of Elder Identity Fraudsters but Millions More at Risk

There’s good news and bad news on the elder fraud front.

The use of technology—including cell phones, emails and social media—has dramatically increased the number of potential victims.

MP900202201There’s good news and bad news on the elder fraud front. Law enforcement recently conducted the largest sweep of elder fraud cases specifically targeting the elderly, according the article “Law Enforcement Conducts Largest Coordinated Elder Identity Fraud Sweep in History,”appearing in Security Intelligence.The U.S. Department of Justice announced that more than 250 defendants have been charged in the sweep, 200 of whom have been charged criminally.

Some of the identity fraud campaigns included a common grandparent scam where seniors were contacted and informed that their grandchildren had been arrested and needed bail money. Other scams told seniors they’d won the lottery but needed to pay a large fee to get the winnings or that they owed back taxes to the IRS.

The bad news: The Justice Department says that more than 1 million people collectively lost “hundreds of millions of dollars” through these scams.

While some identity fraud is conducted through traditional methods like the telephone, there are other ways of scamming the elderly. For instance, romance scams involve an attacker befriending a senior online and then asking for money to visit the U.S. or some other reason.

The phone-based scams can trap one senior at a time.  However, email and other online media steams now let criminals tap into millions of potential victims at once.

The Federal Trade Commission (FTC)’s “Consumer Sentinel Network Data Book 2017” reported that identity fraud made up 14% of consumer complaints last year. That was second only to debt collection.

The FTC also showed that while scams against the elderly are a concern, younger citizens are equally at risk. Roughly 40% of millennials in their 20s said they lost money to fraud—compared to 18% of those over age 70. Nonetheless, seniors usually suffered higher median losses than other age groups, the report found.

The credit card scam is one of the bigger identity fraud issues (this involves both new and current accounts). Social media, data theft via email, payment account and online shopping schemes are equally prevalent, according to the FTC’s data.

Reference: Security Intelligence (March 27, 2018) “Law Enforcement Conducts Largest Coordinated Elder Identity Fraud Sweep in History”

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