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<p>ONS figures on fraud are broken down into ‘Bank and credit account fraud’, ‘Consumer
and retail fraud’, ‘Advance fee fraud’ and ‘Other fraud’. There is no specific breakdown
relating to online banking fraud, although last year (March 2020) 53% of all fraud
incidents estimated by the CSEW were thought to be cyber-related.</p><table><tbody><tr><td
colspan="2"><p><strong>Office of National Statistics:</strong> Cheque, plastic card
and online bank accounts (not PSP) fraud reports, however, it’s worth nothing this
will include individual victim reports <strong>and</strong> reports from businesses</p></td></tr><tr><td><p>Year
ending September 2015</p></td><td><p>269,709</p></td></tr><tr><td><p>Year ending September
2016</p></td><td><p>284,743</p></td></tr><tr><td><p>Year ending September 2017</p></td><td><p>286,979</p></td></tr><tr><td><p>Year
ending September 2018</p></td><td><p>270,154</p></td></tr><tr><td><p>Year ending September
2019</p></td><td><p>325,436</p></td></tr><tr><td><p>Year ending September 2020</p></td><td><p>311,625</p></td></tr></tbody></table><p>The
Government takes all forms of fraud very seriously and continues to work closely with
the banking and finance industry, consumer protection and victim support groups to
prevent scams by closing down the vulnerabilities fraudsters exploit in order and
to ensure the victim remains at the centre of our considerations by making sure they
are better protected.</p><p>The Government’s ambitious Economic Crime Plan (ECP) sets
out the significant action we are taking in close conjunction with the private sector
to combat all economic crimes.</p><p>The ECP sets out 7 priority areas agreed in January
2019 by the Economic Crime Strategic Board, the ministerial level public-private board
charged with setting the UK’s strategic priorities for combatting economic crime and
strengthening the powers and capabilities of law enforcement, powers, the justice
system and private sector to detect, deter and disrupt <a href="https://www.gov.uk/government/publications/economic-crime-plan-2019-to-2022"
target="_blank">https://www.gov.uk/government/publications/economic-crime-plan-2019-to-2022</a></p><p>We
are also investing more to tackle economic crime. The 2020 Spending Review announced
an increase in the Government’s efforts to combat economic crime by providing an additional
£30.5 million in resource and £32.5 million in capital funding in 2021/22, including
support for the National Economic Crime Centre (NECC) and City of London Police as
national lead force for fraud.</p><p>We have also launched the Suspicious Email Reporting
Service, run by the National Cyber Security Centre, which enables the public to report
scams and anything appearing suspicious. Already over 5 million reports have been
received, leading to over 36,000 scams taken down from the internet and the closure
of over 71,000 harmful websites.</p><p>The Financial Conduct Agency (FCA) requires
banks to maintain effective systems and controls to prevent the risk they might be
used for financial crime. The protection for consumers who fall victim to fraudulent
transactions is set out in the Payment Services Regulations 2017 which state a customer
who claims they did not authorise a transaction on their account must receive a refund
from their bank, unless the bank has reasonable grounds to suspect the customer is
liable for the transaction (for example due to customer fraud or gross negligence).</p><p>The
Government is committed to tackling fraud and ensuring victims of Authorised Push
Payment (APP) scams are protected. The Payment Systems Regulator (PSR) published a
call for views on APP scams in February 2021 which set out various measures which
could deliver a higher level of protection for consumers. The Government looks forward
to engaging with the outcomes of the PSR's call for views, including considering what
further actions may be necessary to make progress on this issue.</p><p>Finally, it
remains important the public reports fraud to Action Fraud either by phone on 0300
123 2040 or via:</p><p><a href="http://www.actionfraud.police.uk/report_fraud" target="_blank">http://www.actionfraud.police.uk/report_fraud</a>.</p><p>Scam
emails and texts can be reported by texting your mobile provide on 7726 or forwarding
suspicious emails to <a href="mailto:report@phishing.gov.uk" target="_blank">report@phishing.gov.uk</a>.</p>
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