Cyber Fraud and Identity Theft: A Comprehensive Guide for Criminal Justice Students

Question 1

To safeguard against cyber fraud and identity theft, which actions are crucial for individuals to take?

Accepted Answer

Create robust and unique passwords for online accounts.

Accepted Answer

Ignore phishing emails and avoid clicking suspicious links.

Answer

Use public Wi-Fi for all online activities.

Answer

Share personal information openly on social media platforms.

Question 2

Which of the following is not considered a form of cyber fraud?

Accepted Answer

Data breaches

Answer

Online scams

Answer

Identity theft

Answer

Financial fraud

Question 3

Which federal statute prohibits unauthorized access, use, or disclosure of computer data?

Accepted Answer

Computer Fraud and Abuse Act

Answer

Identity Theft and Assumption Deterrence Act

Answer

Cybersecurity and Infrastructure Security Agency Act

Answer

Fair Credit Reporting Act

Question 4

Which of the following is NOT a type of online scam?

Accepted Answer

Ransomware

Answer

Phishing

Answer

Vishing

Answer

Smishing

Question 5

What is the most prevalent form of identity theft in the United States?

Accepted Answer

Financial fraud

Answer

Medical fraud

Answer

Government benefits fraud

Answer

Tax fraud

Question 6

What is the primary federal law in the United States that addresses cyber fraud?

Accepted Answer

Computer Fraud and Abuse Act (CFAA)

Answer

Identity Theft and Assumption Deterrence Act (ITADA)

Answer

Sarbanes-Oxley Act of 2002

Answer

Electronic Communications Privacy Act (ECPA)

Question 7

What is the primary responsibility of the Secret Service in combating cybercrime?

Accepted Answer

Investigating financial crimes involving electronic systems

Answer

Protecting the President and other high-ranking officials

Answer

Enforcing immigration laws

Answer

Regulating the banking industry

Question 8

What is a primary objective of identity thieves?

Accepted Answer

To acquire personal information for financial gain

Answer

To harm someone's reputation

Answer

To gain access to restricted systems

Answer

To commit physical crimes

Question 9

What is the primary purpose of forensic analysis in cybercrime investigations?

Accepted Answer

To collect and preserve digital evidence

Answer

To identify and apprehend the perpetrator

Answer

To assess the extent of the damage

Answer

To educate the public about cybercrime

Question 10

What is a key distinction between identity theft and impersonation?

Accepted Answer

Identity theft involves stealing personal information, while impersonation is using that information to deceive others

Answer

Impersonation is a more serious crime than identity theft

Answer

Identity theft only occurs online, while impersonation can occur both online and offline

Answer

There is no difference between identity theft and impersonation

Question 11

Which of the following is NOT considered cyber fraud?

Accepted Answer

Credit card skimming

Answer

Online scams

Answer

Identity theft

Answer

Hacking

Question 12

Which type of online scam is the most prevalent?

Accepted Answer

Phishing

Answer

Malware

Answer

Spoofing

Answer

Spam

Question 13

What is the recommended initial action if you suspect you are a victim of identity theft?

Accepted Answer

Freeze your credit

Answer

Contact the police

Answer

Close all of your accounts

Answer

Change all of your passwords

Question 14

Which of the following psychological consequences may victims of cyber fraud and identity theft experience?

Accepted Answer

Anxiety

Accepted Answer

Depression

Accepted Answer

Post-Traumatic Stress Disorder (PTSD)

Answer

Increased self-esteem

Question 15

Which type of cyber fraud involves impersonating a legitimate business online to obtain sensitive information from victims?

Accepted Answer

Phishing

Answer

Smishing

Answer

Vishing

Answer

Malware attacks

Question 16

What is the term for accessing and using a computer system without authorization?

Accepted Answer

Hacking

Answer

Spamming

Answer

Malware

Answer

Cyberstalking

Question 17

What is the primary objective of the Fair Credit Reporting Act (FCRA)?

Accepted Answer

Protecting consumers from inaccurate and unfair credit reporting

Answer

Preventing identity theft

Answer

Regulating the use of marketing data

Question 18

How does technology contribute to preventing and detecting cyber fraud and identity theft?

Accepted Answer

Developing and implementing security software and protocols

Answer

Enacting and enforcing laws against cybercrime

Answer

Providing law enforcement and consumers with training and awareness

Question 19

What is the process of illegally obtaining and using someone's personal information for fraudulent purposes called?

Accepted Answer

Identity theft

Answer

Social engineering

Answer

Cyberbullying

Answer

Malware attack

Question 20

Which law prohibits the unauthorized access and use of computers and electronic devices?

Accepted Answer

Computer Fraud and Abuse Act

Answer

Health Insurance Portability and Accountability Act

Answer

Gramm-Leach-Bliley Act

Answer

Fair Credit Reporting Act

Question 21

Which of the following investigative techniques is used to analyze and interpret digital evidence in cyber fraud cases?

Accepted Answer

Digital forensics

Answer

Cyber profiling

Answer

Surveillance

Answer

Interrogation

Question 22

What is the primary purpose of using CAPTCHAs on websites?

Accepted Answer

To prevent bots from submitting fraudulent forms

Answer

To track user behavior

Answer

To improve website design

Answer

To protect user data

Question 23

What is a recommended practice for protecting against phishing attacks?

Accepted Answer

Hovering over links before clicking

Answer

Sharing personal information online

Answer

Using public Wi-Fi networks

Answer

Opening email attachments without verifying the sender

Question 24

Which of the following is a benefit of using a VPN for online security?

Accepted Answer

Encrypting your internet traffic

Answer

Increasing your internet speed

Answer

Providing access to blocked websites

Answer

Preventing malware infections

Question 25

What is the primary responsibility of the Federal Trade Commission (FTC) in combating cyber fraud and identity theft?

Accepted Answer

Investigating complaints and enforcing laws related to consumer protection

Answer

Recovering stolen funds for victims

Answer

Educating consumers about online safety

Answer

Providing legal assistance to victims of cybercrime

Question 26

What is the defining characteristic of identity theft?

Accepted Answer

Unauthorized use of another person's personal identifying information

Answer

Breaching secure networks

Answer

Hacking into computer systems

Answer

Stealing physical property

Question 27

Which of the following is NOT a potential consequence of financial fraud?

Accepted Answer

Physical harm

Answer

Criminal charges

Answer

Emotional distress

Answer

Loss of money and assets

Question 28

What is the primary role of forensic investigators in cyber fraud cases?

Accepted Answer

Collecting, preserving, and analyzing digital evidence

Answer

Conducting interviews

Answer

Writing legal documents

Answer

Enforcing laws

Question 29

Which of the following measures is most effective in protecting yourself from cyber fraud and identity theft?

Accepted Answer

Be cautious online, use strong passwords, and monitor your credit regularly

Answer

Never use public Wi-Fi

Answer

Disable all pop-up blockers

Question 30

Which ethical principle is paramount for investigators handling cyber fraud cases?

Accepted Answer

Respect for privacy

Answer

Speed

Answer

Efficiency

Answer

Accuracy

Question 31

What is the purpose of a forensic timeline analysis in cyber fraud investigations?

Accepted Answer

To visually represent a sequence of events leading up to and following a cybercrime

Answer

To record all digital evidence collected

Answer

To provide a detailed description of the crime scene

Question 32

What is the primary benefit of data encryption in cyber security?

Accepted Answer

To protect sensitive data from unauthorized access and modification

Answer

To reduce data storage space

Answer

To delete data permanently

Answer

To speed up data transmission

Question 33

Identify the most prevalent type of online scam.

Accepted Answer

Phishing

Answer

Hacking

Answer

Malware

Answer

Spam

Question 34

Identity theft is defined as the unauthorized use of another individual's personal information for fraudulent purposes.

Accepted Answer

True

Answer

Only if the victim suffers financial consequences

Answer

Only if the victim is a minor

Answer

False

Question 35

In the United States, what is the maximum prison sentence for identity theft?

Accepted Answer

Up to 15 years

Answer

It is not considered a crime

Answer

Up to 1 year

Answer

Up to 5 years

Question 36

Which of the following is a recommended measure to prevent cyber fraud?

Accepted Answer

Create strong passwords

Answer

Do not install antivirus software

Answer

Share personal information online freely

Answer

Click on all links in emails

Question 37

What is the primary role of law enforcement agencies in combating cyber fraud and identity theft?

Accepted Answer

Investigating and prosecuting cases

Answer

Monitoring the internet for suspicious activity

Answer

Providing technical support to victims

Answer

Educating the public about cyber threats

Question 38

If you suspect that you have fallen victim to cyber fraud or identity theft, what should be your immediate action?

Accepted Answer

Contact your bank and credit card companies immediately

Answer

Post about it on social media

Answer

Ignore it and hope the issue resolves itself

Question 39

Which of the following is NOT a common tactic used in phishing scams?

Accepted Answer

Offering free tech support for common computer issues

Answer

Sending emails claiming to be from a trusted source

Answer

Creating fake websites that mimic legitimate ones

Question 40

A victim of identity theft might notice which of the following on their credit report?

Accepted Answer

Accounts they did not open

Answer

A history of timely payments

Answer

Accurate personal information

Answer

A high credit score

Question 41

Which type of cyber fraud specifically targets individuals with the goal of stealing their personal information for financial gain?

Accepted Answer

Identity Theft

Answer

Online Scams

Answer

Cyberbullying

Answer

Financial Fraud

Question 42

A scammer posing as a bank representative calls a victim, asking for their account details to “verify” their identity. This is an example of which social engineering technique?

Accepted Answer

Pretexting

Answer

Scareware

Answer

Phishing

Answer

Baiting

Question 43

What is the main purpose of a 'spoofed' email address in a phishing scam?

Accepted Answer

To make the email appear legitimate and trick the victim into clicking a link

Answer

To track the recipient's IP address

Answer

To bypass spam filters

Question 44

Which of the following is NOT a recommended step to protect against identity theft?

Accepted Answer

Sharing your Social Security Number with online retailers

Answer

Using strong and unique passwords

Answer

Monitoring credit reports regularly

Question 45

Which of the following could be considered a 'red flag' indicating a potential online scam?

Accepted Answer

A website offering unrealistically high returns on investments

Answer

A website with secure payment options

Answer

A website with a clear privacy policy

Question 46

What is the primary role of the Federal Trade Commission (FTC) in combating cyber fraud?

Accepted Answer

Investigating and prosecuting cases of consumer fraud, including online scams

Answer

Developing cybersecurity standards for businesses

Answer

Training law enforcement officers on cybercrime investigation

Question 47

If you are a victim of online fraud, which organization should you contact first to report the crime?

Accepted Answer

The Internet Crime Complaint Center (IC3)

Answer

The FBI

Answer

The Department of Homeland Security

Answer

The Federal Trade Commission (FTC)

Question 48

What is the main purpose of 'two-factor authentication' (2FA) in protecting against cyber fraud?

Accepted Answer

To require an additional layer of security beyond a password, making it harder for unauthorized individuals to access accounts

Answer

To encrypt sensitive data transmitted online

Question 49

Which of the following is NOT a commonly encountered type of cyber fraud?

Accepted Answer

Online gambling

Answer

Financial fraud

Answer

Online scams

Answer

Identity theft

Question 50

Identify the most severe potential repercussion of identity theft.

Accepted Answer

Financial ruin

Answer

Damage to reputation

Answer

Emotional distress

Answer

Legal problems

Question 51

Which element is pivotal in defining financial fraud?

Accepted Answer

Unauthorized use of financial information

Answer

Malware

Answer

Identity theft

Answer

Online scams

Question 52

In the United States, which legal statute primarily governs the prosecution of cyber fraud?

Accepted Answer

Computer Fraud and Abuse Act (CFAA)

Answer

Identity Theft and Assumption Deterrence Act (ITADA)

Answer

Patriot Act

Answer

Cybersecurity Information Sharing Act (CISA)

Question 53

Which investigative technique is commonly employed to trace the origins of cyber fraud?

Accepted Answer

Digital forensics

Answer

Surveillance

Answer

Undercover operations

Answer

Interrogation

Question 54

Indicate the common defense strategy often utilized by individuals charged with cyber fraud offenses.

Accepted Answer

Lack of knowledge or intent

Answer

Insanity

Answer

Self-defense

Answer

Alibi

Question 55

Identify the consequence of cyber fraud that is NOT typically experienced by businesses.

Accepted Answer

Increased customer loyalty

Answer

Financial losses

Answer

Legal liability

Answer

Damage to reputation