Fraud Remains a Top Concern for Americans, New AARP Research Shows

WASHINGTON—New AARP research shows fraud is a widespread and growing concern. Nearly 4 in 10 U.S. adults—about 103 million people—have already experienced fraud, and an estimated 159 million are worried about becoming victims. A little under one-third (30%) of adults says their biggest fear is being targeted themselves, followed by losing money with no way to recover it (21%) and seeing a loved one victimized (15%). These concerns highlight both the financial and emotional toll of these crimes and reflect how pervasive and personal the threat has become.

“Criminals are constantly evolving their tactics, which is why staying informed and talking openly about fraud is so important,” said Kathy Stokes, Senior Director, Fraud Prevention Programs, AARP Fraud Watch Network. “By sharing what we’re seeing and learning from family, friends, and neighbors, and encouraging others to report fraud to law enforcement, we can reduce the stigma around being targeted and strengthen our collective defense.”

The report finds that nine in ten Americans agree that fraud can happen to anyone. One in six adults say they answer calls (11%) or respond to texts (5%) from unknown contacts and roughly half download free apps and take online quizzes on social media that can expose personal data. Gaps in digital security also persist, including password reuse, limited use of private virtual networks on public Wi-Fi, and low adoption of multifactor authentication.

There are encouraging signs. People report locking their devices with passwords or biometrics (85%), using protective software such as antivirus or call-blocking tools (65%), enabling automatic updates (61%), and recognizing common fraud tactics like gift card payment demands (82%). Yet reporting gaps remain, with nearly three-quarters of victims contacting financial institutions but far fewer notifying law enforcement or the Federal Trade Commission—limiting broader efforts to stop repeat offenders.

“Criminals are persistent, and education and awareness aren’t enough. Fraud prevention is also about taking action,” said Brad Anderson, Vice President for Community Engagement at AARP. “That’s why AARP shows up in communities with tools and trusted information. We’re here to help people take the necessary steps to protect themselves and their loved ones.”

Throughout April, AARP is mobilizing communities nationwide for AARP Fraud Prevention Month. AARP volunteers and staff will lead free community events across the country, including:

• Community Shred Days offering safe, on-site document shredding
• Educational workshops on the latest fraud tactics
• Virtual events and expert-led conversations
• A special AARP Live Fraud Prevention broadcast and online stream
• A nationwide Tele-Town Hall connecting thousands of households for a live Q&A with fraud experts

The AARP Fraud Watch Network provides free tools and support to help people spot and avoid fraud, including: