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Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.”

Published byBeverly French Modified over 9 years ago

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Presentation on theme: "Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.”"— Presentation transcript:

1 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” Who’s in YOUR Wallet? Identity Theft (take notes on information in red) Make the right moves to protect yourself

2 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” Definition of ID Theft Wrongfully acquiring and using a consumer’s personal identification, credit or account information ID THEFT IS FRAUD

3 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” Who’s Been A Victim Of ID Theft?

4 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” What are 5 Pieces Of Information that ID Thieves Need to Steal Your Identity?

5 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” Your Legal Name

6 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” Your Address

7 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” Your Birthday

8 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” Your Drivers License ID (which has all of the previous information, except…)

9 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” Your Social Security Number

10 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” Another piece of information that banks use to identify you … YOUR MOTHER’S MAIDEN NAME

11 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” Inside ID Thieves Toolkits

12 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” What is Phishing?

13 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” No Not Fishing Phishing - a technique where ID thief sends an email to solicit personal info: Don’t Click Links In Unsolicited E-Mails

14 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” Dumpster Diving Make The Right Move: Shred Your Documents

15 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” Hacking Make The Right Move: Secure Your Computer

16 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” Scams To Watch Out For For In 2009

17 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” WHAT IS A SCAM Fraudulent or deceptive schemes to get consumers to part with something of value

18 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” 1) Job Recruitment Scams They will ask for your SS#

19 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” 2) Smishing Similar to Phishing using text messages

20 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” 3) Wireless Hacking Wireless Hacking

21 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” 4) Skimming Devices Check to see if anything looks unusual around ATM machines

22 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” 4) Skimming Devices

23 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” 4) Skimming DevicesSkimming Devices

24 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” Stop ID Thieves http://www.youtube.com/watch?v=00m_w6904JM

25 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” Ways to Protect Your Personal Information

26 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” Keep tabs on your Accounts-read statements, know due dates Leave your SSN card in a safe place at home Shred Documents & Mail (Cross-Cut)

27 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” Secure Your Computer Make Sure Operating System Security Patches Are Up To Date Use Anti-Virus & Firewall -- Update your virus definitions Make Sure Your Network Is Secured -- Wireless security settings Use Strong Passwords – Change Frequently

28 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” Stop The Solicitors! Opt Out Of Junk Mail www.optoutprescreen.com or www.optoutprescreen.com 1–888–567–8688 Stop Telemarketers https://www.donotcall.gov/ https://www.donotcall.gov/

29 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” Monitor Your Credit Report Request Your Free Credit Report www.annualcreditreport.com 1 a year from each of the 3 bureaus www.annualcreditreport.com If You Notice An Error On The Report Contact and dispute it with the credit reporting agency right away!

30 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” Credit Scams Opt out of credit card offers

31 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” What To Do If You’re A Victim? “Don’t Try This at Home” http://www.youtube.com/watch?v=KcvIpsf-ENY

32 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” 1. Contact your Financial Institution. 2. Close the account. 3. Place a fraud alert on your credit reports. Equifax: 1-800-525-6285 Experian: 1-888-EXPERIAN TransUnion: 1-800-680-7289

33 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” 4. File A Police Report 5. File A Complaint Attorney Generals Office: www.atg.wa.gov www.atg.wa.gov 6. Consider A Security Freeze

34 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” Security Freezes Identity theft victims and adults ages 65 and older are able to place a freeze for free. Consumers who aren't entitled to a free freeze pay up to $10 per bureau. As of Sept. 1, 2008, anyone can request a security freeze. Requesting A Freeze http://www.atg.wa.gov/freezecharts.aspx http://www.atg.wa.gov/freezecharts.aspx

35 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” Security Freeze “Thaw” Request a 15-Minute Thaw Contact each CRA Provide proper identification Provide your PIN or Password Set the temporary time period when your credit report may be viewed

36 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” Go to Moodle – Task 5.2 & complete the “ID Theft Websearch Assignment” You may want to use the Teachmeaboutmoney.org/adults/identity-theft website to answer the questions Teachmeaboutmoney.org/adults/identity-theft

37 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” Create your own ID Theft Brochure Using the rubric given out in class, research and inform consumers about identity theft and what can be done if you become a victim

38 Washington State Department of Financial Institutions “Regulating financial services to protect and educate the public and promote economic vitality.” Office of Crime Victims Advocacy Voice within government for the needs of crime victims in Washington State (800) 822-1067 Hotline

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