Recognize an FTC Impersonator

You might be interested in making money through investments. Who isn’t? So offers that promise big returns might draw your attention…and scammers know this. They use those promises and clever schemes to lure you in and, unfortunately, people are losing big money on investment scams. In fact, FTC data shows reports of more than $7.9 billion in losses to investment scams, with a median individual loss of more than $10,000 in 2025. Do you know how to spot and avoid investment scams?

Did you get a text with a picture of what looks like an official notice of a traffic hearing? You’re not alone. The FTC has seen a spike in reports about this text scam in the last month. It’s just the latest story of how scammers are trying to separate people from their money. Here’s how this scam works — and how to avoid it.

If you’re signed up for a rewards program, you may have gotten texts warning that your points are expiring soon. A message like that may catch your attention, but people are reporting to the FTC that some of those messages aren’t real — and come from scammers. So how can you tell which messages are real and which are phishing scams?