Tech Support Scams and Fake Invoices: Geek Squad, McAfee, PayPal
Independently fact-checked against primary sources (last audited October 3, 2026). · 26 primary sources cited on this page. How we verify our legal content

A tech support scam is a pop-up, call, text or email from someone posing as a company you know (Microsoft, Apple, Geek Squad, McAfee, Norton, PayPal) who says your computer has a problem or that you were just charged for a renewal, then asks for remote access to your computer or for payment. The "Geek Squad scam," the "McAfee invoice" and the "PayPal invoice scam" are one playbook with different logos. Posing as a business this way violates the FTC's Impersonation Rule (16 C.F.R. § 461.3), in effect since April 1, 2024, and since January 9, 2025 the Telemarketing Sales Rule also covers the calls people make to a tech support number they saw in an ad.
If it already happened: hang up, then call your bank or card company using the number on the back of your card and tell them a scammer had access to your computer or your account details. Next, uninstall anything the caller had you install, change your passwords, and report it at ReportFraud.ftc.gov and ic3.gov.
Information last verified on October 2, 2026. This article has not been reviewed by a licensed lawyer.
Jurisdiction scope: This article covers US federal law: the FTC's Rule on Impersonation of Government and Businesses (16 C.F.R. part 461), the Telemarketing Sales Rule (16 C.F.R. part 310), section 5 of the FTC Act, the federal wire fraud and computer fraud statutes, and the refund rules in Regulation E (bank transfers and debit cards) and Regulation Z (credit cards). Statements by Microsoft, Apple, PayPal and Geek Squad are company policy, not law. State consumer-protection and computer-crime laws are not covered here.
The three tech support scam scripts
Almost every tech support scam the FTC describes follows one of three scripts. They often blend: a fake invoice leads to a phone call, the call leads to remote access, and remote access leads to a fake refund.
| Script | How it reaches you | What happens next |
|---|---|---|
| Fake warning or call | A pop-up that looks like it is from a well-known company and urges you to call a number, or a call or text from someone posing as a technician | The caller asks for remote access, pretends to scan, claims to find a malicious program and offers to remove it for a fee |
| Fake renewal invoice | An email or text saying you were charged hundreds of dollars to renew a tech support subscription, using names like Geek Squad, McAfee and Norton, with a number to call within 24 hours to dispute it | The person who answers asks for remote access to your computer |
| Refund over-payment | Usually follows the fake invoice | You are walked to a spoofed refund website, told the refund was too large, and pressured to pay back the difference |
Fake pop-ups and "Microsoft" calls
The FTC describes the classic version this way: "It could be a fake pop-up warning that looks like it's from a well-known company and urges you to call a phone number to get help." Other versions start with a call or text from someone posing as a technician, or with a scam website that shows up in search results or display ads for tech support.
Once you are on the phone, "they ask for remote access to your computer and pretend to scan it for viruses. They claim to find a malicious program and offer to remove it for a fee." Microsoft warns that scammers "might even spoof the caller ID so that it displays a legitimate support phone number from a trusted company."
Geek Squad, McAfee and Norton renewal emails
In the fake invoice script, the FTC says, "you were charged hundreds of dollars to renew your tech support subscription. To get your attention, the scammers use the names of well-known companies like Geek Squad, McAfee, and Norton." The message says you must call a number within 24 hours to dispute the charge. If you call, the scammers ask for remote access.
The FTC's test is simple. Check your real credit card or bank account for a tech support charge. "If you don't see a transaction for a tech support subscription, that tells you the message was a scam. Ignore and delete it." If you think the notice might be real, contact the company "using a phone number you know is real. Do not use the number included in the message."
PayPal invoice scams
The PayPal version uses a real PayPal invoice or money request. PayPal's help center describes it: "You receive an invoice or money request through PayPal containing an alarmist note. The note may ask you to call their fake customer service number in the hope they can obtain your personal/financial details over the phone."
PayPal's advice, as of October 2026, is not to pay it and not to call "any phone numbers stated in the invoice note." In your PayPal Activity, you can select the invoice, then Cancel (on the web) or Decline (in the app), and use "Report this invoice."
The refund over-payment trick
This is the step where the biggest losses in the invoice script happen. After you call to cancel the fake renewal, the FTC says, the scammers "take you to a spoofed website that looks real and tell you to enter your bank or credit card information to process the refund. After you do that, they claim there was an error in the amount entered. They say they refunded you too much money and insist you pay them back with gift cards, a wire transfer, a bank transfer, cryptocurrency, or a payment app."
Whatever balance or "refund" the caller shows you on the screen, do not send anything back. Check your accounts yourself, by logging in on your own or calling the number on your card, not on any page the caller opened. The FTC says plainly that only scammers tell you to buy a gift card and give them the numbers off the back.
The Phantom Hacker escalation: fake tech support, fake bank, fake government
The FBI's Internet Crime Complaint Center (IC3) warned on September 29, 2023 about what it calls the Phantom Hacker scam: "an evolution of more general tech support scams, layering imposter tech support, financial institution, and government personas." The FBI described three phases.

- Fake tech support. The scammer has you download a program that gives remote access, then "requests the victim open their financial accounts to determine whether there have been any unauthorized charges." The FBI calls this "a tactic the scammer uses to determine which financial account is most lucrative."
- Fake bank. Someone posing as your financial institution tells the victim they "must move their money to a 'safe' third-party account, such as an account with the Federal Reserve or another US Government agency." The FBI says the scammer "tells the victim to not inform anyone of the real reason they are moving their money."
- Fake government. The scammer "may send an email or a letter on what appears to be official US Government letterhead" and presses you to send money to a new "alias" account.
The FBI says victims are told to transfer money "via a wire transfer, cash, or cryptocurrency, often directly to overseas recipients," sometimes in "multiple transactions over a span of days or months." The FTC describes the same pattern from the other side: the fake technician claims your accounts were hacked, "or that your name is linked to serious crimes, like money laundering or drug trafficking," then transfers you to a fake government official.
"Someone who works for the government will never tell you to put your money in a federal safety locker. There's no such thing." (FTC, How To Spot, Avoid, and Report Tech Support Scams)
Couriers collecting cash and gold
In a January 29, 2024 alert, the FBI said scammers in tech support and government impersonation schemes "instruct victims to liquidate their assets into cash and/or purchase gold, silver, or other precious metals." Sometimes, the FBI says, scammers have victims "wire funds to a metal dealer who will ship the precious metals to victims' homes." A courier then collects the cash or metal, and scammers "may direct victims to authenticate the transaction with the courier using a passcode, such as the serial number of a US dollar bill." The FBI's conclusion: "In reality, victims never hear back from the scammers and lose all their money."
That alert reported aggregated losses of over $55 million from May to December 2023. In a September 22, 2025 release, the FBI's Boston field office reported that nationwide, from 2023 to May 2025, "the FBI documented at least 1,737 instances of a courier being used to pick up bulk cash or gold bars, with financial losses totaling approximately $186,263,191." The Boston office also described victims being passed to someone impersonating an FTC or Department of Justice representative who claims the money must go into "a DOJ escrow or bank account."
Watch out: The FBI says, "The US Government and legitimate businesses will never request you purchase gold or other precious metals," and advises, "Never disclose your home address or agree to meet with unknown individuals to deliver cash or precious metals."
The FTC's own warning, printed at the top of its tech support page: "The FTC will never threaten you, say you must transfer your money to 'protect it,' or tell you to withdraw cash or buy gold and give it to someone."
Warning signs of a tech support scam
Each of these comes from the FTC, the FBI or the company being impersonated.
- Contact you did not start. The FTC: "Legitimate tech companies won't contact you by phone, email, or text message to tell you there's a problem with your computer."
- A pop-up with a phone number. The FTC: "Real security pop-up warnings and messages will never ask you to call a phone number." Microsoft says its error and warning messages "never include phone numbers."
- A number to call to cancel a charge in an email, text or invoice note.
- A request for remote access to your computer or phone.
- Payment by gift card, wire, bank transfer, crypto or payment app. The FTC says scammers want these "because it's like using cash."
- Being told to move money to protect it, withdraw cash, buy gold, or hand anything to a courier.
- Being told not to tell anyone the real reason you are moving money, which the FBI flags in the Phantom Hacker scam.
- A support number you found through a sponsored search result. The IC3 says numbers in a "sponsored" results section "are often boosted because of Search Engine Advertising."
Pro tip: Not sure? The FTC suggests talking to someone you trust, such as a friend, family member or neighbor, before you do anything. If you really think your computer has a problem, update your security software and run a scan yourself.
What to do right now if you were scammed
Speed matters most when money has moved. The IC3 says, "If you discover a fraudulent transfer, time is of the essence."

- Hang up and stop replying. Microsoft: "If you receive an unsolicited call from someone claiming to be from Microsoft Support, hang up." Do not call any number from the message or invoice.
- Call your bank and card companies. Use the number on the back of your card, or log in through the official website or app, as the FTC advises. Say a scammer had remote access to your computer, or that you entered your card or bank details on a fake refund page, and ask them to stop or reverse the payments. For a wire, ask for a recall of the funds, which is the IC3's advice.
- Remove what the scammer installed. Microsoft says to "uninstall any applications that scammers have asked you to install" and, if you gave them access to your device, "consider resetting it." The FTC says to update your security software, run a scan and delete anything it flags.
- Change your passwords and turn on two-factor authentication. If you used the same password on other accounts, change it there too, the FTC says.
- If you gave your Social Security number, use IdentityTheft.gov. Our guide on how to report identity theft walks through it, and a credit freeze or fraud alert can block new accounts in your name.
- Report it. File with the FTC at ReportFraud.ftc.gov (Spanish: reportefraude.ftc.gov) and with the FBI at ic3.gov, and contact your local FBI field office. The FBI asks you to include names the scammers used, how they contacted you, and the bank account numbers and recipient names involved. People 60 and older who need help filing an IC3 complaint can call the DOJ Elder Justice Hotline at 1-833-FRAUD-11 (833-372-8311).
- Report it to the company that was impersonated. Microsoft takes reports at www.microsoft.com/reportascam, and PayPal has a "Report this invoice" option.
Our guide to where to report a scam explains what each agency does with your report.
Can you get your money back? It depends on who moved it
Your refund rights turn on one question: did the scammer move the money, or did you send it yourself after being tricked? Federal law gives real protection in the first case and much less in the second.
When the scammer moved money out of your account
Regulation E defines an unauthorized electronic fund transfer as one "initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit" (12 C.F.R. § 1005.2(m)). The Consumer Financial Protection Bureau has said this covers the remote-access situation directly. From its Electronic Fund Transfers FAQs (Unauthorized EFTs, Question 5):
"when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumer's account, the transfer is an unauthorized EFT under Regulation E. For example, the Bureau is aware of the following situations where a third party has fraudulently obtained a consumer's account access information, and thus, are considered unauthorized EFTs under Regulation E: (1) a third-party calling the consumer and pretending to be a representative from the consumer's financial institution and then tricking the consumer into providing their account login information, texted account confirmation code, debit card number, or other information that could be used to initiate an EFT out of the consumer's account, and (2) a third party using phishing or other methods to gain access to a consumer's computer and observe the consumer entering account login information. EFTs stemming from these situations meet the Regulation E definition of unauthorized EFTs."
The CFPB also says a bank cannot use your carelessness to make you pay more than Regulation E allows: "negligence by the consumer cannot be used as the basis for imposing greater liability than is permissible under Regulation E" (FAQ Question 7).
The deadlines matter. A bank's error-resolution duties apply to a notice it receives no later than 60 days after it sends the statement that first shows the problem (12 C.F.R. § 1005.11(b)(1)). The bank must then decide within 10 business days, or take up to 45 days if it provisionally credits your account (12 C.F.R. § 1005.11(c)). Our guide on how to get money back after a scam covers the liability tiers and timelines in full.
For credit cards, Regulation Z caps your liability for unauthorized use at the lesser of $50 or the amount charged before you notify the issuer (12 C.F.R. § 1026.12(b)). The official commentary says unauthorized use includes a transaction by someone who obtained the card from you "through fraud," which is what happens when a scammer collects your card number on a fake refund page. A written billing-error notice must reach the issuer no later than 60 days after the first statement showing the charge (12 C.F.R. § 1026.13(b)).
When you sent the money yourself
The over-payment "refund," the Phantom Hacker "safe account" and the courier pickup all depend on you moving the money. The Regulation E definition above, as written, covers transfers "initiated by a person other than the consumer." A transfer you start yourself, even because of a fake bank officer's story, generally falls outside that definition, and banks and payment apps often treat it as authorized. Any refund then usually depends on the provider's own policy. Ask anyway: the FTC's instruction for nearly every payment method is to report it immediately and ask for the payment to be reversed.
| How the money left | What the law or guidance says | What to do first |
|---|---|---|
| Scammer moved money from your bank account using remote access or details you were tricked into giving | Unauthorized EFT under Regulation E (CFPB FAQ Question 5) | Notify your bank, ideally right away and no later than 60 days after the statement |
| Charge on your credit card you did not make | Unauthorized use, liability capped at the lesser of $50 or the amount before notice (12 C.F.R. § 1026.12(b)) | Call the issuer, then send a written dispute within 60 days |
| You paid the scammer by credit card | FTC: report it and ask for a refund; you may have billing-dispute rights | Microsoft: "Call your credit card provider to contest the charges" |
| You sent a bank transfer, Zelle or payment-app payment | Generally outside the unauthorized-transfer definition as written; refunds depend on provider policy | Report to the bank or app immediately and ask for a reversal |
| Wire transfer | Hard to reverse once sent; the IC3 advises asking your bank to recall the funds | Ask the bank or wire company to recall or reverse it; file at ic3.gov |
| Gift cards | Refunds are issuer policy | Call the issuer at the number on the back; keep the card and receipt |
| Cryptocurrency | FTC: no same legal protections as credit and debit cards | Contact the exchange or ATM operator immediately |
| Cash mailed through USPS | FTC: the Postal Inspection Service can intercept an undelivered package for a fee | Call 1-877-876-2455 immediately |
| Cash or gold handed to a courier | No reversal step appears in the FBI or FTC guidance | Report to ic3.gov "as quickly as possible" and your local FBI field office |
For payment apps and Zelle specifically, see Zelle and payment app scams.
Watch out: Telemarketers cannot legally take two payment types: a remotely created payment order, and a cash-to-cash money transfer or cash reload mechanism (16 C.F.R. § 310.4(a)(9) and (10)). That rule does not name gift cards or cryptocurrency. A demand for gift cards is still a classic scam sign, but no federal rule makes a gift card payment automatically reversible.
Beware the follow-up "recovery" scam
People who lose money to a tech support scam are often contacted again. The FTC calls refund and recovery scams "the worst of the worst: scams that target people who have already lost money to a scam." Scammers buy lists of people who have paid scammers before, then pose as "a government agency, a consumer advocacy group, a law firm, or some other organization" and ask for an upfront fee. The FTC's rule of thumb: "Did someone contact you and ask for an upfront fee? That's a scammer."
The FBI has issued repeated warnings about fake law firms targeting scam victims. Its August 13, 2025 alert says, "There are no law firms which are officially authorized partners of US Government agencies," and a June 2024 alert notes that "Law enforcement does not charge victims a fee for investigating crimes."
Under the Telemarketing Sales Rule, a telemarketer may not request or receive a fee for recovering money you lost in an earlier transaction "until seven (7) business days after such money or other item is delivered to that person" (16 C.F.R. § 310.4(a)(3)). The rule does not apply to services provided by a licensed attorney, and it applies to telemarketing.
What Microsoft, Apple, PayPal and Geek Squad say
These are company statements, current as of October 2, 2026. They are policy, not law, and can change.
| Company | What it says about unsolicited contact |
|---|---|
| Microsoft | "Microsoft doesn't send unsolicited email messages or make unsolicited phone calls to request personal or financial information, or to provide technical support to fix your computer." It also says it "will never ask that you pay for support in the form of cryptocurrency like Bitcoin, or gift cards." |
| Apple | "If you get an unsolicited or suspicious phone call from someone claiming to be from Apple or Apple Support, just hang up." Apple also says, "Never use Apple Gift Cards to make payments to other people." |
| PayPal | "If you receive a suspicious invoice or money request, don't pay it." And: "Never send money to a cryptocurrency wallet mentioned in an invoice or money request." |
| Geek Squad | "Geek Squad will never call you unsolicited to initiate a remote support session." |
We could not verify an official statement from McAfee or Norton about these scams, so we do not quote one. The FTC confirms that scammers use both names in fake renewal notices.
Federal laws against tech support and fake invoice scams
The FTC Impersonation Rule (16 C.F.R. part 461)
The FTC's Rule on Impersonation of Government and Businesses took effect April 1, 2024. Section 461.3 is the provision that covers a scammer posing as Microsoft, Geek Squad, McAfee or PayPal:
"It is a violation of this part, and an unfair or deceptive act or practice to: (a) materially and falsely pose as, directly or by implication, a business or officer thereof, in or affecting commerce ... (b) materially misrepresent, directly or by implication, affiliation with, including endorsement or sponsorship by, a business or officer thereof" (16 C.F.R. § 461.3)
Section 461.2 applies the same prohibitions to impersonating a government entity or official, which covers the fake FTC, Federal Reserve and Justice Department callers in the Phantom Hacker script. "Materially" means "likely to affect a person's choice of, or conduct regarding, goods or services."
When the rule took effect, the FTC said it enables the agency to file "federal court cases seeking to get money back to injured consumers and civil penalties against rule violators." In a June 15, 2026 release, the FTC said it had brought "a dozen enforcement actions" under the rule and "obtained over $70 million in redress for consumers."
The Telemarketing Sales Rule now covers inbound tech support calls
The Telemarketing Sales Rule, issued under 15 U.S.C. § 6102, exempts many calls that a consumer places in response to an ad. The FTC amended it in a rule published December 10, 2024, so that exemption no longer reaches tech support. The amendments "extend the Rule's applicability to inbound telemarketing calls in response to an advertisement through any medium or direct mail solicitation in which technical support products or services are offered for sale." They took effect January 9, 2025.
The operative text is in 16 C.F.R. § 310.6(b)(5)(i) and (b)(6)(i): the exemptions for customer-initiated calls do not apply to calls "in response to an advertisement relating to investment opportunities, debt relief services, technical support services" (§ 310.6(b)(5)(i)) or to calls responding to a direct mail solicitation relating to technical support services (§ 310.6(b)(6)(i)). The rule defines a technical support service (16 C.F.R. § 310.2(gg)) as:
"any plan, program, software, or service that is marketed to repair, maintain, or improve the performance or security of any device on which code can be downloaded, installed, run, or otherwise used, such as a computer, smartphone, tablet, or smart home product"
The definition excludes service where the provider "obtains physical possession of the device being repaired," such as an in-store repair. The rule also bans misrepresenting "a seller's or telemarketer's affiliation with, or endorsement or sponsorship by, any person or government entity" (16 C.F.R. § 310.3(a)(2)(vii)).
FTC Act section 5
Section 5 of the FTC Act declares "unfair or deceptive acts or practices in or affecting commerce" unlawful (15 U.S.C. § 45(a)(1)). It is the FTC's general authority behind tech support enforcement cases.
Federal crimes: wire fraud and computer fraud
Wire fraud covers anyone who devises a scheme to defraud or to obtain money "by means of false or fraudulent pretenses, representations, or promises" and uses interstate wire, radio or television communications to carry it out. The maximum sentence is 20 years in prison, or 30 years if the violation affects a financial institution (18 U.S.C. § 1343).
The Computer Fraud and Abuse Act makes it a crime to knowingly, "and with intent to defraud," access "a protected computer without authorization, or exceeds authorized access," and by that conduct further the fraud and obtain anything of value, unless the only thing obtained is use of the computer worth $5,000 or less in a year (18 U.S.C. § 1030(a)(4)). A first offense under that paragraph carries up to five years. Whether access a victim was tricked into granting counts as "without authorization" is a legal question this article does not resolve.
These are criminal laws enforced by prosecutors. In its 2025 annual report, the IC3 describes Operation Chakra (December 2025), in which six people were arrested in Noida, India, for "duping more than 600 U.S. citizens through tech-support scams and impersonating U.S. agencies," with "more than $48.7 million in losses attributed."
FTC cases against tech support operations
- Restoro and Reimage (March 14, 2024). Two tech support companies agreed to pay $26 million to settle FTC charges under the FTC Act and the Telemarketing Sales Rule. The FTC said consumers were "lured or alarmed by fake Microsoft Windows pop-ups." This was a settlement, not a court finding.
- Paddle (June 16, 2025). Payment processor Paddle agreed to pay $5 million to settle FTC allegations of facilitating deceptive tech support schemes. The FTC's case page lists the matter as under order, with a stipulated order dated June 20, 2025 that permanently bans Paddle from processing payments for tech support telemarketers. This was a settlement, not a court finding.
Pending: platforms that enable impersonation
On October 1, 2026, the FTC published an advance notice of proposed rulemaking on conduct by platforms that furthers government and business impersonation (Federal Register document 2026-20143). "Comments must be received on or before November 30, 2026." This is an early-stage proposal, not a rule. The same notice says that for a separate provision on impersonating individuals, the Commission "held an informal hearing in January 2025 and is still evaluating its options," so that provision is not in force.
How much tech support scams cost
The FBI's IC3 2025 Annual Report shows reported tech support losses rising fast:
| Year | Tech and customer support losses reported to IC3 |
|---|---|
| 2023 | $924,512,658 |
| 2024 | $1,464,755,976 |
| 2025 | $2,134,675,818 |
In 2025 the IC3 received 47,794 tech support complaints. Government impersonation added 32,424 complaints and $797,943,193 in losses. The IC3 says combined call center fraud in 2025 totaled "more than 80,000" complaints "with losses exceeding $2.9 billion."
Older adults carry much of this. People 60 and older reported $1,040,730,043 in tech support losses in 2025 from about 21,300 complaints, the second-largest loss type for that age group. By our calculation that is about 49% of all tech support losses reported to the IC3. In its 2023 Phantom Hacker alert, the FBI said almost 50% of tech support victims reporting from January to June 2023 were over 60, accounting for 66% of losses.
The FTC's data tells a similar story. In a June 15, 2026 release covering 2025, the FTC said people reported losing $3.5 billion to imposter scams, "nearly $1 billion to business impersonators" and "about $920 million to government impersonators," adding that "some of the costliest impersonation scams start with a fake security alert, often from a bank." FTC and IC3 figures are separate, self-reported datasets, so they should not be added together.
Related guides
- Scams and fraud laws: the complete guide
- How to get money back after a scam
- Zelle and payment app scams
- Where to report a scam
- Phishing, smishing and vishing
- AI voice scam calls
- Identity theft laws
Last updated: October 2, 2026.
Disclaimer: This article provides general legal information about US federal law as verified on October 2, 2026. It is not legal advice, and company policies described here can change at any time. For your specific situation, contact your bank, card issuer or payment company, the agency named above, or a lawyer licensed in your state.
Frequently Asked Questions
Is the Geek Squad renewal email a scam?
The FTC says scammers use the Geek Squad name in fake tech support renewal notices that tell you to call a number within 24 hours. Check your real card or bank account; if there is no such charge, the FTC says the message was a scam. Geek Squad says it will never call you unsolicited to start a remote support session.
Is the McAfee or Norton invoice email real?
The FTC names McAfee and Norton among the brands scammers use in fake renewal invoices. Do not call the number in the message; check your accounts and contact the company at a number you know is real.
What is the PayPal invoice scam?
PayPal says scammers send a real PayPal invoice or money request with an alarmist note and a fake customer service number. PayPal's advice is not to pay it, not to call any number in the note, and to cancel or decline it and use Report this invoice.
Does Microsoft call people about viruses on their computer?
Microsoft says it does not make unsolicited calls to provide technical support, and that its error and warning messages never include phone numbers. Its advice for such a call is to hang up.
I let a scammer into my computer. What should I do first?
Call your bank and card companies using the number on the back of your card, then uninstall anything the scammer had you install, run a security scan, and change your passwords with two-factor authentication turned on. Report it at ReportFraud.ftc.gov and ic3.gov.
Will my bank refund money a scammer took while he had remote access?
The CFPB says a transfer made by a third party who gained access to your computer and watched you enter your login information is an unauthorized transfer under Regulation E. Your bank must investigate a notice received within 60 days after the statement showing it, generally within 10 business days (12 C.F.R. § 1005.11).
What is the Phantom Hacker scam?
It is the FBI's name for a tech support scam that escalates through a fake bank and a fake government agency, which tell the victim to move money to a 'safe' account, such as one supposedly at the Federal Reserve. The FTC says someone who works for the government will never say you must transfer your money to protect it.
Can I get back cash or gold I gave to a courier?
The FBI and FTC guidance we reviewed lists no way to reverse a cash or gold handoff. The FBI asks victims to report to ic3.gov as quickly as possible and to their local FBI field office; people 60 and older can get help filing at 833-372-8311.
Is it illegal to pretend to be Microsoft or Geek Squad?
Yes. The FTC Impersonation Rule makes it unlawful to materially and falsely pose as a business or misrepresent affiliation with one (16 C.F.R. § 461.3), and the FTC can seek money back for consumers and civil penalties.
Someone offered to recover my lost money for a fee. Is that legitimate?
The FTC says anyone who contacts you and asks for an upfront fee to recover money is a scammer. The Telemarketing Sales Rule bars telemarketers from collecting recovery fees until seven business days after the money is delivered, except for licensed attorneys (16 C.F.R. § 310.4(a)(3)).
Updates
Independently fact-checked against the cited primary sources
The Law Behind This Article
This article rests on the statutory provisions below, held in our own legal record and retrieved from the official source. Tap a section to read the operative text.
Code of Federal Regulations Title 16
§ 461.3Impersonation of businesses prohibited.In forcecited in 4 of our articles
It is a violation of this part, and an unfair or deceptive act or practice to: (a) materially and falsely pose as, directly or by implication, a business or officer thereof, in or affecting commerce as commerce is defined in the Federal Trade Commission Act (15 U.S.C. 44); or (b) materially misrepresent, directly or by implication, affiliation with, including endorsement or sponsorship by, a business or officer thereof, in or affecting commerce as commerce is defined in the Federal Trade Commission Act (15 U.S.C. 44).
Official text (excerpt) · last checked 2026-07-28 · Read the full text in our law library · Verify at ecfr.gov
Also relied on in: Phishing, Smishing and Vishing: Spot Them and What to Do If You Clicked, Government Impersonation Scams: IRS, Social Security, Jury Duty, Police, Utility Scams: Shutoff Threats, Fake Workers and What to Do
§ 461.2Impersonation of government prohibited.In forcecited in 7 of our articles
It is a violation of this part, and an unfair or deceptive act or practice to: (a) materially and falsely pose as, directly or by implication, a government entity or officer thereof, in or affecting commerce as commerce is defined in the Federal Trade Commission Act (15 U.S.C. 44); or (b) materially misrepresent, directly or by implication, affiliation with, including endorsement or sponsorship by, a government entity or officer thereof, in or affecting commerce as commerce is defined in the Federal Trade Commission Act (15 U.S.C. 44).
Official text (excerpt) · last checked 2026-07-28 · Read the full text in our law library · Verify at ecfr.gov
Also relied on in: Where to Report a Scam: Which Agency, and Can You Get Money Back?, Phone Scams Targeting Spanish Speakers in the U.S.: How to Spot Them, Medicare and Health Insurance Scams: Warning Signs and Reporting
§ 310.6Exemptions.In forcecited in 2 of our articles
(a) Solicitations to induce charitable contributions via outbound telephone calls are not covered by § 310.4(b)(1)(iii)(B) of this part. (b) The following acts or practices are exempt from this part: (1) The sale of pay-per-call services subject to the Commission's Rule entitled “Trade Regulation Rule Pursuant to the Telephone Disclosure and Dispute Resolution Act of 1992,” 16 CFR part 308, provided, however, that this exemption does not apply to the requirements of § 310.4(a)(1), (a)(8), (b), and (c); (2) The sale of franchises subject to the Commission's Rule entitled “Disclosure Requirements and Prohibitions Concerning Franchising,” (“Franchise Rule”) 16 CFR part 436, and the sale of business opportunities subject to the Commission's Rule entitled “Disclosure Requirements and Prohibitions Concerning Business Opportunities,” (“Business Opportunity Rule”) 16 CFR part 437, provided, however, that this exemption does not apply to the requirements of § 310.4(a)(1), (a)(8), (b), and (c); (3) Telephone calls in which the sale of goods or services or charitable solicitation is not completed, and payment or authorization of payment is not required, until after a face-to-face sales or…
Official text (excerpt) · last checked 2026-07-28 · Read the full text in our law library · Verify at ecfr.gov
Cited in 18 court opinions in our collectionLatest citing opinion in our collection: 2025
Opinions citing this section in our collection:
- Federal Trade Commission v. paddle.com Market Limited (District Court, District of Columbia 2025)“…nts of § 310.4(a)(1), (a)(8), (b), and (c); 16 CFR 310.6(b)(1) (enhanced display)…”
- National Federation of the Blind Special Olympics Maryland, Incorporated v. Federal Trade Commission (Court of Appeals for the Fourth Circuit 2005, 420 F.3d 331)“…ly their adherence to a more modest charity-specific list. 16 C.F.R. § 310.6 (a). 22 App…”
- Federal Trade Commission v. Inc21.com Corp. (District Court, N.D. California 2010, 745 F. Supp. 2d 975)“…the retail sale of nondurable office or cleaning supplies.” 16 C.F.R. 310.6(b)(7). Curiously, while the TSR defines…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Also relied on in: Debt Relief and Student Loan Forgiveness Scams: Signs and Your Rights
§ 310.2Definitions.In forcecited in 6 of our articles
(a) Acquirer means a business organization, financial institution, or an agent of a business organization or financial institution that has authority from an organization that operates or licenses a credit card system to authorize merchants to accept, transmit, or process payment by credit card through the credit card system for money, goods or services, or anything else of value. (b) Attorney General means the chief legal officer of a state. (c) Billing information means any data that enables any person to access a customer's or donor's account, such as a credit card, checking, savings, share or similar account, utility bill, mortgage loan account, or debit card. (d) Caller identification service means a service that allows a telephone subscriber to have the telephone number, and, where available, name of the calling party transmitted contemporaneously with the telephone call, and displayed on a device in or connected to the subscriber's telephone. (e) Cardholder means a person to whom a credit card is issued or who is authorized to use a credit card on behalf of or in addition to the person to whom the credit card is issued.
Official text (excerpt) · last checked 2026-07-28 · Read the full text in our law library · Verify at ecfr.gov
Cited in 56 court opinions in our collectionLatest citing opinion in our collection: 2025
Opinions citing this section in our collection:
- United States v. Dish Network LLC (District Court, C.D. Illinois 2017, 256 F. Supp. 3d 810)“…ed Established Business Relationship with a customer. TSR, 16 C.F.R. § 310.2 (o); FCC Rule, 47 C.F.R. *874 § 64.12…”
- Federal Trade Commission v. paddle.com Market Limited (District Court, District of Columbia 2025)“…on a device in or connected to the subscriber's telephone. 16 CFR 310.2(d) (enhanced display)…”
- FTC v. Day Pacer LLC (Court of Appeals for the Seventh Circuit 2025)“…services,” which described the com- panies’ activities. See 16 C.F.R. § 310.2(hh). Second, the LLC Defendants ass…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Also relied on in: I Got Scammed: What to Do, How to Get Money Back, Where to Report, How to Get Money Back After a Scam: Your Rights by Payment Method, Can I Sue a Scammer? When a Lawyer Actually Helps After a Scam
§ 310.3Deceptive telemarketing acts or practices.In forcecited in 5 of our articles
(a) Prohibited deceptive telemarketing acts or practices. It is a deceptive telemarketing act or practice and a violation of this part for any seller or telemarketer to engage in the following conduct: (1) Before a customer consents to pay 1 for goods or services offered, failing to disclose truthfully, in a clear and conspicuous manner, the following material information: 1 When a seller or telemarketer uses, or directs a customer to use, a courier to transport payment, the seller or telemarketer must make the disclosures required by § 310.3(a)(1) before sending a courier to pick up payment or authorization for payment, or directing a customer to have a courier pick up payment or authorization for payment. In the case of debt relief services, the seller or telemarketer must make the disclosures required by § 310.3(a)(1) before the consumer enrolls in an offered program. (i) The total costs to purchase, receive, or use, and the quantity of, any goods or services that are the subject of the sales offer; 2 2 For offers of consumer credit products subject to the Truth in Lending Act, 15 U.S.C.
Official text (excerpt) · last checked 2026-07-28 · Read the full text in our law library · Verify at ecfr.gov
Cited in 89 court opinions in our collectionLatest citing opinion in our collection: 2025
Opinions citing this section in our collection:
- Federal Trade Commission v. Stefanchik (Court of Appeals for the Ninth Circuit 2009, 559 F.3d 924)“…defendants violated the Telemarketing Sales Rule (“TSR”), 16 C.F.R. § 310.3 (a)(2)(iii) and (a)(4), by making these…”
- Federal Trade Commission v. Medical Billers Network, Inc. (District Court, S.D. New York 2008, 543 F. Supp. 2d 283)“…goods or services that are the subject of a sales offer.” 16 C.F.R. § 310.3 (a)(2). The TSR also requires a seller…”
- Federal Trade Commission v. Andris Pukke (Court of Appeals for the Fourth Circuit 2022, 53 F.4th 80)“…15 U.S.C. § 45(a), and the Telemarketing Sales Rule (TSR), 16 C.F.R. § 310.3. The FTC also filed thre…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Also relied on in: Lottery and Sweepstakes Scams: Fake PCH Calls and Prize Fees, Charity and Disaster Scams: Warning Signs and How to Check a Charity
§ 310.4Abusive telemarketing acts or practices.In forcecited in 9 of our articles
(a) Abusive conduct generally. It is an abusive telemarketing act or practice and a violation of this part for any seller or telemarketer to engage in the following conduct: (1) Threats, intimidation, or the use of profane or obscene language; (2) Requesting or receiving payment of any fee or consideration for goods or services represented to remove derogatory information from, or improve, a person's credit history, credit record, or credit rating until: (i) The time frame in which the seller has represented all of the goods or services will be provided to that person has expired; and (ii) The seller has provided the person with documentation in the form of a consumer report from a consumer reporting agency demonstrating that the promised results have been achieved, such report having been issued more than six months after the results were achieved. Nothing in this part should be construed to affect the requirement in the Fair Credit Reporting Act, 15 U.S.C.
Official text (excerpt) · last checked 2026-07-28 · Read the full text in our law library · Verify at ecfr.gov
Cited in 103 court opinions in our collectionLatest citing opinion in our collection: 2026
Opinions citing this section in our collection:
- Soundboard Ass'n v. Fed. Trade Comm'n (Court of Appeals for the D.C. Circuit 2018, 888 F.3d 1261)“…ns on customer privacy. 60 Fed. Reg. 43842 (Aug. 23, 1995); 16 C.F.R. § 310.4(b)(ii), (c). In 2003, the Commission am…”
- Charvat v. NMP, LLC (Court of Appeals for the Sixth Circuit 2011, 656 F.3d 440)“…Administrative Code (“O.A.C.”) § 109:4-3-11(A)(1)12 and/or 16 C.F.R. § 310.4(d)(2),13 and therefore in violation of…”
- Mainstream Marketing Services, Inc. v. Federal Trade Commission (Court of Appeals for the Tenth Circuit 2004, 358 F.3d 1228)“…ve calls from or on behalf of that particular business. See 16 C.F.R. § 310.4(b)(1)(iii)(A); 47 C.F.R. § 64.1200(d)(3…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Also relied on in: Gift Card Scams: What to Do If You Paid a Scammer With a Gift Card
United States Code Title 15
§ 45Unfair methods of competition unlawful; prevention by CommissionIn forcecited in 20 of our articles
Unfair methods of competition in or affecting commerce, and unfair or deceptive acts or practices in or affecting commerce, are hereby declared unlawful. The Commission is hereby empowered and directed to prevent persons, partnerships, or corporations, except banks, savings and loan institutions described in section 57a(f)(3) of this title, Federal credit unions described in section 57a(f)(4) of this title, common carriers subject to the Acts to regulate commerce, air carriers and foreign air carriers subject to part A of subtitle VII of title 49, and persons, partnerships, or corporations insofar as they are subject to the Packers and Stockyards Act, 1921, as amended [7 U.S.C. 181 et seq.], except as provided in section 406(b) of said Act [7 U.S.C. 227(b) ], from using unfair methods of competition in or affecting commerce and unfair or deceptive acts or practices in or affecting commerce.
Official text (excerpt) · last checked 2026-07-28 · Read the full text in our law library · Verify at uscode.house.gov
Cited in 3,207 court opinions in our collectionLatest citing opinion in our collection: 2026
In the courts (editorial summary, independently checked):United States v. Philadelphia National Bank (1963) applied the bank exclusion in 15 U.S.C. 45(a)(6) when construing Clayton Act section 7, and Copperweld Corp. v. Independence Tube Corp. (1984) noted that a corporation and its wholly owned subsidiaries remain subject to section 5 of the FTC Act.
Opinions citing this section in our collection:
- Morales v. Trans World Airlines, Inc. (Supreme Court of the United States 1992, 504 U.S. 374)“…etition in commerce.” 38 Stat. 719 , codified as amended, 15 U. S. C. § 45 (a)(1). That type of prohibition is ent…”
- Copperweld Corp. v. Independence Tube Corp. (Supreme Court of the United States 1984, 467 U.S. 752)“…d § 5 of the Federal Trade Commission Act, 38 Stat. 719 , 15 U. S. C. §45 . That these statutes are adequate to c…”
- Bowen v. Massachusetts (Supreme Court of the United States 1988, 487 U.S. 879)“…n required to exhaust before coming into court. See 15 U. S. C. §45 (c) (1940 ed.); 29 U. S. C. § 160 (f)…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Also relied on in: FTC Fines Travel App Hopper $35 Million Over Hidden "Junk Fees", FTC Finalizes Order Against Illuminate Over Student Data Breach (2026), How the FTC's Nationwide Noncompete Ban Was Struck Down, and What It Means for At-Will Workers
§ 6102Telemarketing rulesIn force
The Commission shall prescribe rules prohibiting deceptive telemarketing acts or practices and other abusive telemarketing acts or practices. The Commission shall include in such rules respecting deceptive telemarketing acts or practices a definition of deceptive telemarketing acts or practices which shall include fraudulent charitable solicitations, and which may include acts or practices of entities or individuals that assist or facilitate deceptive telemarketing, including credit card laundering.
Official text (excerpt) · last checked 2026-07-28 · Read the full text in our law library · Verify at uscode.house.gov
Cited in 77 court opinions in our collectionLatest citing opinion in our collection: 2026
Opinions citing this section in our collection:
- Soundboard Ass'n v. Fed. Trade Comm'n (Court of Appeals for the D.C. Circuit 2018, 888 F.3d 1261)“…e . . . and other abusive telemarketing acts or practices.” 15 U.S.C. § 6102(a)(1). In 1995, the Commission promulga…”
- National Federation of the Blind Special Olympics Maryland, Incorporated v. Federal Trade Commission (Court of Appeals for the Fourth Circuit 2005, 420 F.3d 331)“…and other abusive telemarketing acts or practices." 15 U.S.C. § 6102 (a)(1) (2000). Specifically, Congress d…”
- National Federation of the Blind v. Federal Trade Commission (District Court, D. Maryland 2004, 303 F. Supp. 2d 707)“…ing deceptive and abusive telemarketing acts or practices. 15 U.S.C. § 6102 (a)(1). The definition of “telemarketin…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
United States Code Title 18
§ 1343Fraud by wire, radio, or televisionIn forcecited in 18 of our articles
Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, transmits or causes to be transmitted by means of wire, radio, or television communication in interstate or foreign commerce, any writings, signs, signals, pictures, or sounds for the purpose of executing such scheme or artifice, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency (as those terms are defined in section 102 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (42 U.S.C. 5122)), or affects a financial institution, such person shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both.
Official text (excerpt) · last checked 2026-07-28 · Read the full text in our law library · Verify at uscode.house.gov
Cited in 7,198 court opinions in our collectionLatest citing opinion in our collection: 2026
In the courts (editorial summary, independently checked):Courts read § 1343 as requiring a scheme to defraud plus use of interstate wires to further it. In United States v. Allen (2007), the Fourth Circuit affirmed wire fraud convictions and said intent to repay eventually is irrelevant; in United States v. Barrington (2011), lost tuition from hacked grade changes counted as money or property.
Opinions citing this section in our collection:
- Morrison v. National Australia Bank Ltd. (Supreme Court of the United States 2010, 561 U.S. 247)“…11 In that case we concluded that the wire-fraud statute, 18 U. S. C. § 1343 (2000 ed., Supp. II), was violated by…”
- Rubin v. United States (Supreme Court of the United States 1981, 449 U.S. 424)“…k loan application), 18 U. S. C. §1341 (mail fraud), and 18 U. S. C. § 1343 (wire fraud), as well as § 17 (a) (sec…”
- Bacchus Industries, Inc. v. Arvin Industries, Inc. (Court of Appeals for the Tenth Circuit 1991, 939 F.2d 887)“…to include mail fraud ( 18 U.S.C. § 1341 ) and wire fraud ( 18 U.S.C. § 1343 ). 18 U.S.C. § 1961 (1). These acts of…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Also relied on in: Crypto and Investment Scams: Pig Butchering and Bitcoin ATM Scams, Rental Scams: Fake Listings, Lockbox Tours and How to Verify a Landlord, Romance Scams: Warning Signs and What to Do If You Sent Money
§ 1030Fraud and related activity in connection with computersIn forcecited in 4 of our articles
Whoever— having knowingly accessed a computer without authorization or exceeding authorized access, and by means of such conduct having obtained information that has been determined by the United States Government pursuant to an Executive order or statute to require protection against unauthorized disclosure for reasons of national defense or foreign relations, or any restricted data, as defined in paragraph y. of section 11 of the Atomic Energy Act of 1954, with reason to believe that such information so obtained could be used to the injury of the United States, or to the advantage of any foreign nation willfully communicates, delivers, transmits, or causes to be communicated, delivered, or transmitted, or attempts to communicate, deliver, transmit or cause to be communicated, delivered, or transmitted the same to any person not entitled to receive it, or willfully retains the same and fails to deliver it to the officer or employee of the United States entitled to receive it; intentionally accesses a computer without authorization or exceeds authorized access, and thereby obtains— information contained in a financial record of a financial institution, or of a card issuer as…
Official text (excerpt) · last checked 2026-07-28 · Read the full text in our law library · Verify at uscode.house.gov
Cited in 1,820 court opinions in our collectionLatest citing opinion in our collection: 2026
Opinions citing this section in our collection:
- Leon Modrowski v. John Pigatto (Court of Appeals for the Seventh Circuit 2013, 712 F.3d 1166)“…t (18 U.S.C. § 2511), and the Computer Fraud and Abuse Act (18 U.S.C. § 1030). His complaint also asserts a handful…”
- register.com, Inc. v. Verio, Inc. (Court of Appeals for the Second Circuit 2004, 356 F.3d 393)“…rization, a violation of the Computer Fraud and Abuse Act, 18 U.S.C. § 1030 ; and, (c) trespassing on Register’s ch…”
- United States v. Barrington (Court of Appeals for the Eleventh Circuit 2011, 648 F.3d 1178)“…and 1349; fraud using a protected computer in violation of 18 U.S.C. §§1030(a)(4) and (c)(3)(A) and 2; and three c…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Also relied on in: Missouri Voyeurism Laws: Hidden Cameras, Penalties, and Privacy Protections, Wisconsin Data Privacy Laws: Breach Notification & Consumer Rights (2026)
Code of Federal Regulations Title 12
§ 1005.2Definitions.In forcecited in 9 of our articles
Except as otherwise provided in subpart B, for purposes of this part, the following definitions apply: (a)(1) “Access device” means a card, code, or other means of access to a consumer's account, or any combination thereof, that may be used by the consumer to initiate electronic fund transfers. (2) An access device becomes an “accepted access device” when the consumer: (i) Requests and receives, or signs, or uses (or authorizes another to use) the access device to transfer money between accounts or to obtain money, property, or services; (ii) Requests validation of an access device issued on an unsolicited basis; or (iii) Receives an access device in renewal of, or in substitution for, an accepted access device from either the financial institution that initially issued the device or a successor. (b)(1) “Account” means a demand deposit (checking), savings, or other consumer asset account (other than an occasional or incidental credit balance in a credit plan) held directly or indirectly by a financial institution and established primarily for personal, family, or household purposes.
Official text (excerpt) · last checked 2026-07-28 · Read the full text in our law library · Verify at ecfr.gov
Cited in 25 court opinions in our collectionLatest citing opinion in our collection: 2026
In the courts (editorial summary, independently checked):Courts apply the § 1005.2 definitions to decide whether an account falls under the EFTA. In Yagoub Mohamed v. Bank of America (2024), the Fourth Circuit held pandemic benefits on a bank-issued prepaid card sat in a government benefit account; Brown v. Stored Value Cards (2020) found 'account' plausibly reached a jail release card.
Opinions citing this section in our collection:
- Danica Brown v. Stored Value Cards, Inc. (Court of Appeals for the Ninth Circuit 2020, 953 F.3d 567)“…ndants note that the regulation implementing section 1693i, 12 C.F.R. § 1005.2, was amended recently to state that “[t…”
- Yagoub Mohamed v. Bank of America, N.A. (Court of Appeals for the Fourth Circuit 2024, 93 F.4th 205)“…tions” further defining “account” are published at 12 C.F.R. § 1005.2(b)(1). Those provisions are contained i…”
- Warner v. Tinder Inc. (District Court, C.D. California 2015, 105 F. Supp. 3d 1083)“…d in advance to recur at substantially regular intervals.” 12 C.F.R. § 1005.2 (k). “Written authorization” from the c…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Also relied on in: Zelle, Venmo, Cash App and PayPal Scams: Can You Get Money Back?, A Scammer Has My Information: What They Can Do and How to Fix It, Bank Refused Your Scam Refund? How to Challenge a Fraud Claim Denial
§ 1005.11Procedures for resolving errors.In forcecited in 9 of our articles
(a) Definition of error —(1) Types of transfers or inquiries covered. The term “error” means: (i) An unauthorized electronic fund transfer; (ii) An incorrect electronic fund transfer to or from the consumer's account; (iii) The omission of an electronic fund transfer from a periodic statement; (iv) A computational or bookkeeping error made by the financial institution relating to an electronic fund transfer; (v) The consumer's receipt of an incorrect amount of money from an electronic terminal; (vi) An electronic fund transfer not identified in accordance with § 1005.9 or § 1005.10(a); or (vii) The consumer's request for documentation required by § 1005.9 or § 1005.10(a) or for additional information or clarification concerning an electronic fund transfer, including a request the consumer makes to determine whether an error exists under paragraphs (a)(1)(i) through (vi) of this section. (2) Types of inquiries not covered. The term “error” does not include: (i) A routine inquiry about the consumer's account balance; (ii) A request for information for tax or other recordkeeping purposes; or (iii) A request for duplicate copies of documentation.
Official text (excerpt) · last checked 2026-07-28 · Read the full text in our law library · Verify at ecfr.gov
Cited in 23 court opinions in our collectionLatest citing opinion in our collection: 2026
Opinions citing this section in our collection:
- Machinski (District Court, D. Utah 2026)“…entified by the financial institution or the consumer. See 12 C.F.R. § 1005.11. Regulation E provides a closed list of…”
- Sundahl (District Court, S.D. California 2026)“…notice requirements.” Id.; see 15 U.S.C. 20 § 1693f(a); 12 C.F.R. § 1005.11(b).…”
- Hubbard v. Chime Financial, Inc. (District Court, S.D. Ohio 2025)“…had failed to allege “which investigatory obligation under 12 C.F.R. § 1005.11(c) Huntington violated.” Lumbus, 2025 W…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
§ 1026.12Special credit card provisions.In forcecited in 6 of our articles
(a) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used, including business, commercial, or agricultural use, no credit card shall be issued to any person except: (1) In response to an oral or written request or application for the card; or (2) As a renewal of, or substitute for, an accepted credit card. (b) Liability of cardholder for unauthorized use —(1)(i) Definition of unauthorized use. For purposes of this section, the term “unauthorized use” means the use of a credit card by a person, other than the cardholder, who does not have actual, implied, or apparent authority for such use, and from which the cardholder receives no benefit. (ii) Limitation on amount. The liability of a cardholder for unauthorized use of a credit card shall not exceed the lesser of $50 or the amount of money, property, labor, or services obtained by the unauthorized use before notification to the card issuer under paragraph (b)(3) of this section. (2) Conditions of liability.
Official text (excerpt) · last checked 2026-07-28 · Read the full text in our law library · Verify at ecfr.gov
Cited in 12 court opinions in our collectionLatest citing opinion in our collection: 2026
Opinions citing this section in our collection:
- Strubel v. Comenity Bank (Court of Appeals for the Second Circuit 2016, 842 F.3d 181)“…extension of credit.” The official staff interpretation of 12 C.F.R. § 1026.12(c)(1), the portion of Regulation Z impl…”
- William Krieger v. Bank of America NA (Court of Appeals for the Third Circuit 2018, 890 F.3d 429)“…he cardholder previously the “maximum potential liability,” 12 C.F.R. § 1026.12(b)(2)(ii), and a means by which the car…”
- William Lyons v. PNC Bank, N.A. (Court of Appeals for the Fourth Circuit 2024)“…e cardholder held on deposit with the card issuer. 12 C.F.R. § 1026.12(d)(1). 2 In January 200…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
§ 1026.13Billing error resolution.In forcecited in 5 of our articles
(a) Definition of billing error. For purposes of this section, the term billing error means: (1) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer's credit card or open-end credit plan. (2) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of §§ 1026.7(a)(2) or (b)(2), as applicable, and 1026.8. (3) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer's designee, or not delivered to the consumer or the consumer's designee as agreed. (4) A reflection on a periodic statement of the creditor's failure to credit properly a payment or other credit issued to the consumer's account. (5) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor. (6) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
Official text (excerpt) · last checked 2026-07-28 · Read the full text in our law library · Verify at ecfr.gov
Cited in 21 court opinions in our collectionLatest citing opinion in our collection: 2025
Opinions citing this section in our collection:
- William Krieger v. Bank of America NA (Court of Appeals for the Third Circuit 2018, 890 F.3d 429)“…on of Regulation Z as promulgated by the CFPB is located at 12 C.F.R. § 1026.13, a materially identical regulation, to…”
- Strubel v. Comenity Bank (Court of Appeals for the Second Circuit 2016, 842 F.3d 181)“…three business days before the scheduled payment date. See 12 C.F.R. § 1026.13(d)(1). Thus, disclosure of this righ…”
- Williams v. Capital One Bank, N.A. (District Court, District of Columbia 2025)“…deral law. Compare Compl. at 47, with 15 U.S.C. § 1666 and 12 C.F.R. § 1026.13 (requiring creditors to investigate and…”
Identified automatically from the court opinions citing this section — not a ranking of which case controls.
Search our full record of US law — 2.1 million sections, every state + federal →
Sources and References
- Electronic Code of Federal Regulations, 16 C.F.R. Part 461, Rule on Impersonation of Government and Businesses (§§ 461.2, 461.3)(ecfr.gov).gov
- Federal Register, Telemarketing Sales Rule, final rule amendments (Doc. 2024-28399, Dec. 10, 2024; effective Jan. 9, 2025)(federalregister.gov).gov
- FTC, ReportFraud.ftc.gov(reportfraud.ftc.gov).gov
- FTC, How To Spot, Avoid, and Report Tech Support Scams (September 2025)(consumer.ftc.gov).gov
- Microsoft Support, Protect yourself from tech support scams (company statement)(support.microsoft.com)
- PayPal Help Center, What are invoice scams and money request scams on PayPal? (company statement)(paypal.com)
- PayPal Help Center, How do I cancel or report a suspicious money request or invoice? (company statement)(paypal.com)
- FTC, Gift Card Scams(consumer.ftc.gov).gov
- FBI Internet Crime Complaint Center, Public Service Announcement on the Phantom Hacker scam (Sept. 29, 2023)(ic3.gov).gov
- FBI Internet Crime Complaint Center, Scammers Use Couriers to Retrieve Cash and Precious Metals from Victims of Tech Support and Government Impersonation Scams (Jan. 29, 2024)(ic3.gov).gov
- FBI Boston, FBI Boston Warns of Increase in Gold Bar and Bulk Cash Courier Scams (Sept. 22, 2025)(fbi.gov).gov
- FBI Internet Crime Complaint Center, Tech Support and Government Impersonation(ic3.gov).gov
- FBI Internet Crime Complaint Center, 2025 Internet Crime Report(ic3.gov).gov
- FTC, What To Do if You Were Scammed (June 2026)(consumer.ftc.gov).gov
- FTC, ReporteFraude.ftc.gov (Spanish)(reportefraude.ftc.gov).gov
- CFPB, Electronic Fund Transfers FAQs (Error Resolution: Unauthorized EFTs, Questions 5 and 7)(consumerfinance.gov).gov
- Electronic Code of Federal Regulations, 12 C.F.R. § 1005.2, Definitions (Regulation E)(ecfr.gov).gov
- Electronic Code of Federal Regulations, 12 C.F.R. § 1005.11, Procedures for resolving errors (Regulation E)(ecfr.gov).gov
- Electronic Code of Federal Regulations, 12 C.F.R. § 1026.12, Special credit card provisions (Regulation Z)(ecfr.gov).gov
- Electronic Code of Federal Regulations, 12 C.F.R. § 1026.13, Billing error resolution (Regulation Z)(ecfr.gov).gov
- Electronic Code of Federal Regulations, 16 C.F.R. Part 310, Telemarketing Sales Rule (§§ 310.2, 310.3, 310.4, 310.6)(ecfr.gov).gov
- FTC, Refund and Recovery Scams (December 2023)(consumer.ftc.gov).gov
- FBI Internet Crime Complaint Center, Fictitious Law Firms Targeting Cryptocurrency Scam Victims Combine Multiple Exploitation Tactics While Offering to Recover Funds (Aug. 13, 2025)(ic3.gov).gov
- FBI Internet Crime Complaint Center, Fictitious Law Firms Targeting Cryptocurrency Scam Victims Offering to Recover Funds (June 24, 2024)(ic3.gov).gov
- Apple Support, scam and phishing guidance (company statement; published June 15, 2026)(support.apple.com)
- Geek Squad, connect.geeksquad.com (company statement)(connect.geeksquad.com)
- FTC press release, Impersonation Rule goes into effect (Apr. 1, 2024)(ftc.gov).gov
- FTC press release, FTC Data Show People Reported Losing $3.5 Billion to Imposter Scams in 2025 (June 15, 2026)(ftc.gov).gov
- Cornell LII, 15 U.S.C. § 6102, Telemarketing rules(law.cornell.edu)
- Cornell LII, 15 U.S.C. § 45 (FTC Act § 5)(law.cornell.edu)
- Cornell LII, 18 U.S.C. § 1343, Fraud by wire, radio, or television(law.cornell.edu)
- Cornell LII, 18 U.S.C. § 1030, Fraud and related activity in connection with computers(law.cornell.edu)
- FTC press release, Tech Support Firms Will Pay $26 Million to Settle FTC Charges (Mar. 14, 2024)(ftc.gov).gov
- FTC press release, Paddle Will Pay $5 Million to Settle FTC Allegations of Unfair Payment-Processing Practices and Facilitation of Deceptive Tech-Support Schemes (June 16, 2025)(ftc.gov).gov
- Federal Register, Rule on Impersonation of Government and Businesses, advance notice of proposed rulemaking (Doc. 2026-20143, Oct. 1, 2026)(federalregister.gov).gov