There are many different types of fraud and various options for reporting such schemes to the appropriate authorities. Generally, you should first report such fraud to your local police department. You should then contact your state regulator to file a report. While violations of federal laws should be reported to the federal agency responsible for enforcement, such agencies are rarely able to act on behalf of individuals. Instead, they use complaints to record patterns of abuse which allow an agency to take action against a company or industry. Your hesitation or failure to file a report allows the perpetrators to continue unimpeded in defrauding additional victims.
Federal Regulatory Entities
(all types of financial fraud to include mortgage scams, loan scams, investor scams, etc.)
Federal Bureau of Investigation
Phone: 1-800-CALLFBI (225-5324)
If you would like to report financial fraud, please contact the FBI at 202.324.3000 or online at https://tips.fbi.gov. To file a complaint with the FBI contact the nearest FBI field office. Locations are listed at https://www.fbi.gov/contactus.htm or https://tips.fbi.gov/ or for major cases, you can also report information by calling toll-free number 1-800-CALLFBI (225-5324).
Consumer Financial Protection Bureau (CFPB)
The CFPB is an agency which can help you regarding frauds related to money transfers, credit reports, and other financial services.
Department of Justice, U.S. Trustee Program
Phone: (202) 307-1391
The United States Trustee Program is the component of the Department of Justice responsible for overseeing the administration of bankruptcy cases and private trustees.
Commodities, Investment, and Securities Fraud
U.S. Securities and Exchange Commission (SEC): Center for Complaints and Enforcement Tips
Online Form: https://www.sec.gov/complaint.shtml
Phone: (800) 732-0330
You can file a complaint or provide the SEC with tips on potential securities law violations through the links on this page.
U.S. Commodity Futures Trading Commission
Online Form: https://www.cftc.gov/TipOrComplaint
Phone: 866.366.2382 (Consumer Hotline) 202.418.5514 (TTY)
If you have questions, are aware of suspicious activities, or believe you have experienced commodity futures trading, commodity options trading or foreign currency trading (forex) fraud, let the CFTC know immediately.
The FBI’s Internet Crime Complaint Center (IC3) develops and refers complaints regarding the rapidly expanding area of cybercrime. For law enforcement and regulatory agencies at the federal, state, local and international levels, IC3 is the central clearinghouse for complaints on Internet-related crimes. The IC3 complaint process provides victims of cybercrimes a convenient, easily accessible, online reporting mechanism to alert law enforcement of suspected criminal and civil violations.
Department of Housing and Urban Development: Office of Fair Housing and Equal Opportunity
Online Form: http://www.hud.gov/offices/fheo/online-complaint.cfm
Phone: (800) 669-9777
Federal Trade Commission (FTC)
Web Site: https://www.ftc.gov/
Complaint assistant: https://www.ftccomplaintassistant.gov/Consumer_HomeES.htm
Phone (for complaints against companies, organizations, or business practices): (877) FTC-HELP
Phone (for complaints about identity theft): (877) ID-THEFT
Email Address (for complaints about spam or phishing): firstname.lastname@example.org
The FTC collects complaints about companies, business practices, identity theft, mass marketing/telemarketing fraud as well as episodes of violence in the media.
Federal Communications Commission (FCC)
File a complaint with the FCC for telephone related frauds such as mysterious charges on your bill (cramming), an illegal switch of your service (slamming), or telemarketing.
Rescue Fraud or fraud related to the Troubled Asset Relief Program (TARP)
Office of the Special Inspector General for the Troubled Asset Relief Program
Online Form: https://www.sigtarp.gov/Pages/crimetips.aspx
Phone: (202) 622-1419
Retirement Plan Fraud and Abuse
Internal Revenue Service (IRS)
Phone: (410) 962-9547 (not toll-free)
Fax: (410) 962-0132
IRS Employee Plans maintains the Abusive Transaction Hotline that people can use to share information (anonymously, if preferred) about abusive tax shelters and emerging issues that may be abusive in retirement plans.
Tax Fraud Scams
Internal Revenue Service (IRS)
Phone: Tax Fraud Hotline recording at 1-800-829-0433
Social Security Fraud
US Social Security Administration (SSA) Fraud Hotline
Phone: (800) 269-0271
Online Form: https://www.socialsecurity.gov/oig/public_fraud_reporting/form.htm
The SSA National Fraud Hotline provides an avenue for individuals to report fraud, waste, and abuse within SSA programs and operations. Additionally, the misuse of a Social Security number can also be reported.
U.S. Customs and Immigration
Telephone: 1-800-MEDICARE (1-800-633-4227)
United States Postal Service (U.S.P.S.)
Student Loan Fraud
U.S. Department of Education, Office of the Inspector General
Online Complaint Forms
Anyone suspecting fraud, waste or abuse involving Department of Education funds or programs should call or write the Inspector General’s Hotline (choose the method of contact which best suits you):
Send an email message to email@example.com
Call the OIG Hotline’s toll-free number 1-800-MIS-USED.
The Hotline’s operating hours are Monday, Wednesday and Friday 9:00 AM until 11:00 AM, Eastern Time; Tuesday and Thursday, 1:00 PM until 3:00 PM, Eastern Time except for holidays.
State Regulatory Entities
Each state has one or more offices which are responsible for dealing with frauds and scams taking place in their respective jurisdiction. Please utilized the links below to obtain a state-by-state directory of these sites.
Private Sector Entity
Better Business Bureau