How Identity Thieves Justify Their Pursuits

Note: This is a summary of research done by Heith Copes and Lynne Vieraitis. I highly recommend reading the full paper at:  Identity Theft: Assessing Offenders’ Strategies and Perceptions of Risk

When you hear about crimes, you might think, “How can the criminal do that?” But did you know? Criminals justify their crimes. When a criminal decides to commit crime, he goes through a psychological process of sanitizing the conscience so that the crime can be accomplished. Offenders mentally rationalize their actions and neutralize the guilt associated with them before deciding to commit crime. And identity thieves are no exception to the rule.

Using linguistic devices to blunt the moral force of the law and to neutralize the guilt of criminal participation, the offenders make themselves believe that their actions are ‘acceptable’ if not ‘right’, thus protecting their self-image from serious damage. You tell us, what can social controls do to check or inhibit deviant motivational patterns in situations like these?

Of the offenders interviewed, nearly sixty-percent (n = 35) articulated at least one technique of neutralization and several (n=14) used multiple techniques. However, all the techniques were not mentioned and some techniques were used more frequently than others. The neutralization techniques used by offenders emerged naturally during conversations with no deliberate attempt made to elicit these responses.

It was found that there are many ways in which offenders justify or excuse their crime. Identity thieves, however, tend to rely on a few. In order of frequency, denial of injury, appeal to higher loyalties, denial of victim, and denial of responsibility are the most common excuses used by identity thieves.

Many identity thieves believe that stealing identities causes no real harm to victims because they think the credit damage can be repaired by the victim with a few calls and there is no direct financial loss in it for them.

Other identity thieves, however, do acknowledge the victims only to label them as large, face-less organizations like banks and corporations that deserve victimization (i.e., denial of the victim).

Likewise, individuals who work within an organization to carry out their crimes sometimes rely on the diffusion of responsibility to excuse themselves. Claiming that they only played a minimal role in the crime, they believe they should not be judged like the others. The evidence these individuals point to to prove that they “didn’t really do anything”? The small amount of money they made.

Noble intents, mostly helping people, is another excuse identity thieves use to make sense of and justify their crimes. Some said they did it for their children while others pointed to the fact they had done it just to help that random stranger they had met at a bus station.

Thus, it appears that neutralization is a technique that does not just initiate people into identity theft; it is also a technique identity thieves use to continue their current line of behavior.

FTC Warns Rapid Expansion of Internet Domain Name System Could Lead To More Fraud

12/16/2011 FTC Press Release:

FTC Warns That Rapid Expansion of Internet Domain Name System Could Leave Consumers More Vulnerable to Online Fraud

Letter Urges ICANN to Implement Pilot Program, Take New Steps to Protect Consumers
The Federal Trade Commission today sent a letter to the Internet Corporation for Assigned Names and Numbers (ICANN), the organization that oversees Internet domain names, expressing concern that the organization’s plan to dramatically expand the domain name system could leave consumers more vulnerable to online fraud and undermine law enforcers’ ability to track down online scammers.
In its letter to ICANN, the Commission warned that rapid expansion of the number of generic top-level domain names (gTLDs) – the part of the domain name to the right of the dot, such as “.com,” “.net” and “.org” – could create a “dramatically increased opportunity for consumer fraud,” and make it easier for scam artists to manipulate the system to avoid being detected by law enforcement authorities. The Commission urged ICANN – before approving any new gTLD applications – to take additional steps to protect consumers, including starting with a pilot program to work out potential problems.
“A rapid, exponential expansion of gTLDs has the potential to magnify both the abuse of the domain name system and the corresponding challenges we encounter in tracking down Internet fraudsters,” the Commission’s letter states.
ICANN intends to allow website operators to apply for new gTLDs starting on January 12, 2012.
The Commission letter noted that the FTC has raised consumer protection issues with ICANN for more than a decade. The Commission stated that the FTC and other law enforcement agencies need to navigate the domain name system in order to investigate cases of unfair or deceptive practices online, and the existing system already is open to manipulation by scam artists seeking to avoid detection. The FTC routinely consults the “Whois” service, which lists the identities and contact information of website operators. However, the Commission explained that the Whois service often contains incomplete or inaccurate data or, increasingly, proxy registrations, which shields contact information even for domain name registrants engaged in commercial activities.
The increase in website names that could be registered in the new gTLDs would put “infinite opportunities” at the fingertips of scam artists, who take advantage of consumers through tactics such as using misspelled names to create copycat websites, the Commission’s letter states.
“In short, the potential for consumer harm is great, and ICANN has the responsibility both to assess and mitigate these risks,” the letter states.
Before approving any new gTLD applications, the FTC urged ICANN to:
  • implement the new program as a pilot program and substantially reduce the number of generic top level domains that are introduced as a result of the first application round;
  • strengthen ICANN’s contractual compliance program, in particular by hiring additional compliance staff;
  • develop a new ongoing program to monitor consumer issues that arise during the first round of implementing the new gTLD program;
  • assess each new proposed generic top level domain’s risk of consumer harm as part of the evaluation and approval process;
  • improve the accuracy of Whois data, including by imposing a registrant verification requirement.
  • The Commission letter warned “If ICANN fails to address these issues responsibly, the introduction of new gTLDs could pose a significant threat to consumers and undermine consumer confidence in the Internet.”
The Federal Trade Commission works for consumers to prevent fraudulent, deceptive, and unfair business practices and to provide information to help spot, stop, and avoid them. To file a complaint in English or Spanish, visit the FTC’s online Complaint Assistant or call 1-877-FTC-HELP (1-877-382-4357). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTC’s Web site provides free information on a variety of consumer topics. Like the FTC on Facebook and follow us on Twitter.
MEDIA CONTACT:
Claudia Bourne Farrell,
Office of Public Affairs
202-326-2181

New Insights Into The Psychology Of Gambling

If you think gambling is just for gamblers, think again! Most researchers have been using gambling as an important tool to find out how we take risks, make decisions and how our brain responds to personal gains and losses. And some researchers have even been using it to get deeper insights into the psychology of gambling itself! Here are two recent researches whose results are bound to take you by surprise.

First is the research conducted by Wellesley College psychologist Erik Schlicht and his colleagues which examined how our opponents’ faces influence the way we bet in poker. In the study, Schlicht had taken 14 adult participants who were mostly novices. They were asked to sit down at computers and on the screens could be seen the participant’s two-card starting hand, his computer opponent (any one of 100 digitally animated faces), and two poker chips representing each player’s bets. The participants had to decide whether to give up (fold) or play their hand (call). Giving up would make the participant lose 100 chips while calling would let him win or lose 5000 chips depending on whether he had the winning hand or not.

Different expressions were shown to the player in the game ranging from trustworthy to neutral while the values of his hands were kept equal to ensure that he took decisions based solely on his opponent’s face . And guess which expression was able to fool participants the most? The trustworthy expression! It forced people to take their time, make more mistakes and even fold frequently. So, the lesson to be learned here is that the next time you play poker, appear trustworthy! But, since this study was conducted taking novices, the fact that trustworthy expressions throw-off games cannot be taken as a certainty.

Likewise, another gambling study conducted by Josep Marco-Pallarés has also given some pretty shocking results. In the study, pairs of participants were set up in front of computers (one participant always served as the gambler while the other as a mere spectator) whose screens repeatedly displayed two numbers: 25 and 5. For each right number (among the two) picked by the gambler, he would win Euro cents corresponding to the number while the wrong number made him lose an amount equivalent to the number chosen.

With the help of electrode nets placed on the scalps of both gamblers and spectators, electroencephalography (EEG) were used to measure characteristic brain responses to applied stimuli. The active gamblers were expected to have, and did have, distinct brain responses to successful and unsuccessful wagers but it was the spectators’ responses that the experimenters wanted to study. So, different situations were imposed.

First, both the gambler and spectator lost or gained Euro cents together while the case was the opposite in the second situation (i.e. if the gambler lost, the spectator won and vice versa). And as anticipated, the brain responses of both in the first situation mirrored each other’s while they opposed in the second. However, what was surprising was that even though the spectators did not lose or gain anything in the third situation (despite knowing they would receive the maximum amount of bonus money irrespective of the gambler’s outcome), their brains reacted as though they had lost money too. Though unsure, Marco-Pallarés, suspects that it’s because of the emphatic system in us.

So, the lesson from this study: gambling addicts return to their old ways while watching others play because of the reactivation of the same neural systems that encoded their addiction in the first place and in a broader sense, even when we are mere spectators, our brains act as performers.