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Identity Fraud, 2003.
Defines the term.
3,375 words (approx. 13.5 pages), 10 sources, $ 119.95
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Abstract
Discusses the background and prevalence of identity theft or fraud and the materials used for fraud, including social security, PIN, and bank account numbers, and the types of identity fraud including credit card, bank, and government benefits.
From the Paper
" What is Identity Fraud?
A. Definition
A Social Security Administration website defines "identity theft" - a term synonymous with identity fraud - as occuring when "a criminal uses another person's personal ..."
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Identity Theft, 2006.
This paper examines the topic of identity fraud and identity theft, which is currently the fastest growing crime in America.
2,615 words (approx. 10.5 pages), 5 sources, APA, $ 78.95
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Abstract
The writer of this paper defines identity theft as a crime that is committed in which someone wrongfully obtains and uses the personal information of someone else. This paper explores this particular problem and its impact on society. This paper details the various methods of identity theft. The reports of incidence most frequently involve the withdrawal of money from a personal bank or financial account, while the worst cases involve completely pilfered identities, with vast debts accumulated and crimes committed in the victim's name. This paper delves into published reports which claim that identity fraud is the fastest growing crime in the U.S., with over 9.9 million victims reported. The writer discusses the flaws in technology that enable computer hackers to obtain one's personal information as well as the available strategies to thwart this growing problem. This paper details the workings behind mandatory internet service provider coverage, which is among the most feasible solutions to the problem of identity fraud. This paper also examines various cases involving identity theft and fraud, including that of ChoicePoint, who recently announced that the personal information of 145,000 members had been stolen by thieves.
From the Paper
"The use of privacy software by the ISPs would establish an early wall of protection and an immediate source of blame; for example, in the case of the Lowe's security breach, while hackers were at fault for committing the actions, the wireless networking system that made the whole so gaping a twenty year old in a Grand Prix could step through it suggests a critical lack of responsibility on behalf of the service provider as reflected in their software. The May 10 Hearings on Identity Theft and Data Broker Services, as documented by the Sensenbrenner Advocates Watchdog for Judiciary lobby group would suggest that the Federal Government agrees. Testimonies included Kurt Sanford, President and C.E.O at LexisNexis, Douclas Curling, President and CEO at ChoicePoint, Jennifer Barret, the Chief Privacy Officer at Axcom, and Mark Rotenberg, President and executive Director at Electronic Privacy Information Center, among others."
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Identity Theft, 2005.
This paper discusses identity theft, the use of one person's personal information by another person to commit fraud or other crimes.
2,150 words (approx. 8.6 pages), 6 sources, MLA, $ 67.95
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Abstract
This paper explains that there are various types of identity theft (1) Using fraudulently obtained personal information of another person, such as a social security number, driver's license number and date of birth, to open a falsified bank, credit card or cellular telephone or to obtain false loans; (2) giving another person's personal information to a law enforcement officer when the criminal is arrested and (3) selling stolen identities. The author points out that, in addition to the financial losses, the person whose personal information has been used will have an erroneous credit or criminal history, which is often expensive and time-consuming to correct. The paper relates that the increasing use of computer technology and credit cards will continue to make identify theft much easier, thereby, requiring individual to better protect their personal data. Long quotations.
From the Paper
"Part of the problem lies with the consumers themselves. They often are careless about keeping receipts, or not destroying copies of their credit card statements, which means that someone is likely to find numbers, even social security numbers in the trash and then use them. According to the Identity Theft Resource Center, 85% of identity theft victims find out about the crime committed to them due to an adverse situation, such as being denied employment or credit, notification by police or collection agencies and receipt of credit cards or bills never ordered. In other words, 85% of consumers only find out about Identity Theft after it is too late."
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Identity Theft, 2003.
Examines causes, incidence, and effects.
8,325 words (approx. 33.3 pages), 25 sources, $ 135.95
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Abstract
Discusses how identity theft is one of the fastest growing white-collar crimes in the United States. Examines the financial loss and problems caused by identity fraud or theft and the role of electronic technology, the Internet, and e-commerce in facilitating identity theft.
From the Paper
"The purpose of this report is to examine the causes, incidence, and effects of identity fraud or identity theft. The problem is of significance in that identity theft is one of the fastest growing white-collar crimes in the ..."
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Identity Cards, 2004.
A look at the problems associated with issuing identity cards.
1,122 words (approx. 4.5 pages), 4 sources, APA, $ 38.95
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Abstract
This paper points out the numerous opportunities for fraud that would be created if the U.S. government were to mandate the use of identity cards. The paper explains that, while the idea of issuing identity cards came about as a response to the events of 9/11, the ease and ability of creating false identity cards, as evidenced by the number of 9/11 hijackers who held false passports, could actually work against the purpose of identity cards, which is to help keep out potential terrorists.
From the Paper
"Since the attacks by al-Qaeda on the United States on September 11, 2001, both citizens of and officials of our government have considered what we can do to reduce the chance that al-Qaeda could launch another successful attack. We now see long lines at airports as luggage and carry-ons are more thoroughly checked, and travelers are required to show identification multiple times before boarding planes and other public transportation systems (La Londe, 2002). However, because each state sets its own standards for issuance of major methods of identification such as driver?s licenses, some have argued that the United States should issue federally controlled identity cards. In this way we could standardize the documentation required, and have more confidence that they were accurate indications of who the person is."
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Identity Theft, 2004.
This paper describes a new crime in American and the world, ?identity theft?.
1,000 words (approx. 4.0 pages), 5 sources, APA, $ 35.95
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Abstract
This paper discusses two main types of identity theft: account takeovers, when thieves steal existing accounts such as credit cards and use them; and ?true name? fraud, stealing the entire identity, which is more dangerous because thieves may get replacement driver?s licenses, start new accounts, get mortgages, jobs, and entire lives based around this stolen credit. The author points out that identity theft is very problematic and troubling for the victim because it can take months or even years for the victim to realize that something is wrong, and by that time, it may be too late to do anything about it. The paper urges persons to protect their private information and stay actively involved with their credit reports and bank accounts so that they have the earliest possible warning of the crime.
From the Paper
"?Identity theft is one of the fastest-growing crimes in America.? Every year over 900,000 people have their identity?s stolen. The FTC, a leading law enforcement agency that deals with identity theft, estimates that on just one of the many national hotlines there will be about 200,000 calls a year. Between 1992 and 1997 inquires regarding identity theft put into the TransUnion Credit Bureau Fraud Victim Assistant Department was multiplied almost 15 times over as it went from 35,000 complaints to 523,000."
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Insurance Fraud, 2002.
An in-depth insight into insurance fraud, what it is, and what measures can be taken to prevent it.
10,871 words (approx. 43.5 pages), 18 sources, MLA, $ 215.95
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Abstract
This paper attempts to identify the different types of insurance fraud perpetrated today and to evaluate their effect on the insurance industry and society at large. After tax evasion, insurance fraud is considered the highest-ranked among white-collar crimes. It provides a history of insurance, examines in detail the main types of insurance frauds currently around and discusses the measures that can be taken to help prevent and reduce the number of fraudulent claims.
Table of contents:
Abstract
Introduction
History of Insurance
Insurance Fraud
How Insurance Frauds Affect Society
Classification of Fraud by Insurance Companies
Insurance Fraud Status as a Crime
Types of Insurance Frauds
Staged Auto Accidents
Arson-for-Profit
Health Insurance Fraud by Individuals and Corporations
Workers' Compensation Fraud
Property/ Casualty Insurance Fraud
Agent Fraud
Fake and Real Deaths to Collect Life Insurance Money
Identity Fraud
Efforts to Reduce Insurance Fraud
Conclusion
From the Paper
"One of the most famous insurance providers in the world today, Lloyd's of London came into existence in 1688. Edward Lloyd owned a coffeehouse in London where merchants and bankers evaluated the risk of the maritime operations of seafaring vessels used for trading among the various British colonies and those used for prospecting new lands. Financiers for the expensive endeavors and trips to far off lands invested huge amounts of money in the hope that the voyages would be successful. Ship captains required money for supplies and goods, and would offer to embark on these dangerous trips with the help of these financiers?a potentially, mutually beneficial endeavor."
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AIG Insurance Accounting Frauds, 2005.
This paper discusses frauds involving AIG and principles of accounting relating to the prevention of these frauds.
1,455 words (approx. 5.8 pages), 6 sources, MLA, $ 48.95
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Abstract
This paper explains that the American International Group--AIG, the world's largest insurer--was reported to have arranged deals to manipulate financial figure in its own records and those of General Re, a reinsurance company, resulting in financial fraud during the autumn of 2000. The author points out that AIG also was involved in another accounting fraud with Brightpoint Inc., which was reported by the Securities and Exchange Commission in 2003; AIG worked closely with the Brightpoint people to tailor an alleged insurance policy that let Brightpoint overstate its earnings by an amazing 61% in a cash circulation deal from Brightpoint to AIG and again back to Brightpoint. The paper defines receivables are monies due from the customers, which are tallied by invoices and happen due to operating cycle's process of selling inventory or services on terms that permit delivery before cash is collected.
Table of Contents
The General Re Fraud
The Brightpoint Fraud
Cash & Accrual Basis of Accounting
Receivables and Inventory
Fixed and Intangible Assets
Liability & Stockholders Equity
From the Paper
"Under the cash method of accounting, the books are maintained on the actual cash flow. Income is recorded on its receipt and expenses enter the books on their actual payment. Whereas majority of the businesses use the accrual basis, the most correct method for the company depends on the sales volume, credit policy of the company and business structure. In case of the accrual method, income & expenses are recorded while they occur, notwithstanding whether there has been exchange of cash and an example of this is sale on credit. Accrual method is appropriate when the annual sales are more than $5 million and the business is a corporate organization. Besides, it is suggested that while selling on credit, matching of income and expenses during a given period must be done."
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Mortgage Fraud, 2004.
This paper discusses the history and problems of mortgage fraud.
8,060 words (approx. 32.2 pages), 16 sources, APA, $ 173.95
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Abstract
This paper explains that many independent studies have shown that the majority of consumers targeted by predatory lenders are minorities or in a lower income bracket: Fraud seems to target those who can least afford to survive it. The author points out perhaps it is because fraud is so pandemic in the industry today that less is being done to combat fraud than one might expect. Mortgage companies frequently fail to report fraud, and when they do, it is frequently put on hold by law enforcement. The paper states that change will only come when systematic changes are made to the structure of the system. Dishonest lending and borrowing have always plagued humankind, so it would be overly optimistic to hope for a solution. Extensive end-note information.
Table of Contents
The Dead Pledge Heritage: Are Mortgages Inherently Susceptible to Dishonesty?
The New Big Deal: Modern Mortgages and the Road to Fraud
How Loans Are Open for Fraud
How Fraud Works In the Real (Financial) World
Regulations: Attempts, Concerns, and Failures
Conclusions
From the Paper
"Not incidentally, though, this government move was at least partly in response to a significant issue in America with predatory lending. Prior to the founding of the FHA, the American mortgage industry had already gotten its start. ?And, it wasn't banks ...it was insurance companies. These daring insurance companies did it, not in the interest of making money through fees and interest charges, but in the hopes of gaining ownership of properties if the borrower failed to make the payments on it.... the repayment schedule was spread over three to five years and ended with a balloon payment. ? It was the FHA that started the amortization of loans so that indebtedness could decrease over time. They also instituted practices of lending based on ability to repay the loan, judging the quality of the property involved before making the loan, and expanded loan terms so that they could be feasibly repaid (instituting seven, fifteen, and thirty year loans). The government pushed extensively in this years to create fair, non-predatory lending situations."
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Health Insurance Fraud, 2004.
A look at the growing problem of medicare and medicaid insurance fraud and what can be done to prevent it.
7,463 words (approx. 29.9 pages), 21 sources, MLA, $ 164.95
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Abstract
This paper critically evaluates the statutes purposely passed to tackle medicare and medicaid insurance fraud. It also examines the fundamentals, penalties, defenses, and safe harbor provisions for each and every statute, as well as concludes with a discussion of accessible legal safe harbor provisions. It discusses the wide-ranging federal statutes employed to impeach health care fraud, together with the False Claims, False Statements, and the Mail and Wire Fraud Acts, and explains the basics of the offenses, accessible defenses, and penalties valid under each statute. It also gives an indication of federal and state government agencies' pains to examine and take legal action against health care fraud.
Outline
Introduction
Statutes and Provisions Specifically Enacted to Address Medicare and Medicaid Fraud
Medicaid False Claims Statute
Penalties
Medicaid Anti-Kickback Statute
Sale of Physician Practices, Practitioner Recruitment and Obstetrical Malpractice Insurance Subsidies
Contracts for Space, Equipment, Personal Services and Employment
Advertisements and Promotions
Referral Services
Relationships Between Providers
Arrangements Between Providers and Health Plans
Relationships Between Providers and Suppliers
Prosecuting Health Care Fraud With General Federal Statutes
False Claims Act
False Statements
Mail and Wire Fraud
Conclusion
From the Paper
"An added safe harbor permits health plans with accords with CMS or a state health care program to give care for beneficiaries to augment coverage, decrease cost sharing amounts, or decrease premium amounts for enrollees under particular conditions. If the proposal is a competitive medical plan, health maintenance organization plan, prepaid health plan or any other plan with a contract with CMS or a state health care program, it has got to offer identical augmented coverage or reduced cost-sharing or payments to all Medicare or state health program enrollees unless CMS or the state endorses otherwise."
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Insurance Fraud, 2002.
Examines the pervasiveness of this type of crime in contemporary society.
1,689 words (approx. 6.8 pages), 6 sources, MLA, $ 54.95
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Abstract
After tax evasion, insurance fraud is considered the highest-ranked among white-collar crimes. After providing a brief history of the concept of insurance as a for-profit business, this paper explores the issue of insurance fraud. It discusses the three major categories of fraud in the insurance industry based on what side the perpetrator of the fraud is: claims fraud, applications fraud and fraud committed by employees in the insurance industry. The paper examines agencies that fight insurance fraud and discusses other means that society can rid itself of this type of crime.
From the Paper
"Insurers classify fraud as either ?hard? fraud or ?soft? fraud. When an accident, injury, theft, arson or any other loss is deliberately staged either individually or as a group to collect money from insurance companies the crime is classified as a hard fraud. It has been increasingly observed in recent times that organized crime groups and regional gangs are getting involved with more large-scale and intricate methods of swindling the insurance company using hard fraud methods. Innocent bystanders or individuals who are desperate for money may get involved with these staged accidents that may endanger their life and property."
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Automotive Fraud, 2007.
This paper explores the presence and impact of fraud within the automobile industry.
1,656 words (approx. 6.6 pages), 9 sources, MLA, $ 53.95
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Abstract
This paper discusses common areas of fraud found within the automotive industry, examining both the new and used car sectors. The paper looks at how certain types of fraud are discovered and how these frauds can be prevented. The paper also examines the economic impact of fraud within the automotive industry. The paper shows that while fraud within the automotive industry is rampant and dangerous, well-informed consumers can avoid fraudulent purchases and help protect themselves.
From the Paper
"According to legal statistics, the most common form of fraud within the new vehicle industry is that of defective design (OLM, 18). Thousands of individuals are injured or killed each year due to known defects in automobile design, including such issues as faulty airbags, door latches, brakes, fuel tanks, and rollover tendencies (OLM, 19). Some estimates show the National Highway Traffic Safety Administration issues over 30 million vehicle recalls each year, and these recalls are a small portion of the faulty design flaws realized (McDonald, 175). Since manufactures often weigh the costs of such recalls with the probability of damages awarded in a lawsuit resulting from injury due to the defect, only those defaults which may result in extremely high legal costs are completed (McDonald, 179)."
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Consideration of Fraud in a Financial Statement Audit - Summary of the ASB Exposure Draft, 2002.
This paper summarizes the new ASB exposure draft on consideration of fraud in a financial statement audit.
2,060 words (approx. 8.2 pages), 3 sources, MLA, $ 64.95
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Abstract
This paper summarizes the ASB exposure draft on Consideration of Fraud in a Financial Statement Audit. This draft, which supercedes SAS 82, introduces new concepts and requirements to assist the auditor in detecting fraud. It discusses the definition of fraud, identifying risk of fraud, and general assessment of fraud risk. The summary outlines the appropriate response to each fraud risk identified through the analytical process, including evaluation of implications.
From the Paper
"As the need for new standards and ways to look for this fraud got stronger, the AICPA auditing standards board (ASB) responded by issuing an exposure draft on Consideration of Fraud in a Financial Statement Audit. This exposure draft would supersede SAS 82, which is the current standard for detecting fraud in an audit. The exposure draft was not meant to change any of the auditor's responsibilities in a financial statement audit but rather introduces new concepts and requirements to assist the auditor in detecting fraud. Some of the major areas that the exposure draft discusses are the description and characteristics of fraud, discussion of fraud and professional skepticism, a wider range of inquiries, identifying and assessing risks that can result in fraud, evaluating programs and controls and responding to the results of the assessment. "
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Xerox Accounting Fraud, 2007.
An analysis of the accounting fraud committed by the Xerox Corporation, and the consequences of this fraud.
1,586 words (approx. 6.3 pages), 7 sources, MLA, $ 51.95
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Abstract
This paper discusses the accounting fraud committed by Xerox Corporation, which involved accounting irregularities in connivance with Xerox's auditing firm at that time, KPMG. The paper provides a background of Xerox Corporation and discusses the legal complaint filed against them in 2002. It describes the actions that were taken and the aftermath of the scandal.
From the Paper
"At present, Anne M. Mulcahy is the chairman of the board and chief executive officer of Xerox Corporation. She was appointed as the company's CEO on August 1, 2001, and five months later, was eventually given the chairmanship on January 1, 2002. Before reaching the top helm of the corporation, Mulcahy was Xerox's "president and chief operating officer from May 2000 through July 2001. Prior to that, she was president of Xerox's General Markets Operations, which created and sold products for reseller, dealer and retail channels. She began her Xerox career as a field sales representative in 1976 and assumed increasingly responsible sales and senior management positions. From 1992-1995, Mulcahy was vice president for human resources, responsible for compensation, benefits, human resource strategy, labor relations, management development and employee training. (About Xerox, 2007)" In the more than 30 years Mulcahy worked for Xerox, she handled several other positions such as "chief staff officer in 1997, corporate senior vice president in 1998, vice president and staff officer for Customer Operations, covering South America and Central America, Europe, Asia and Africa. (About Xerox, 2007)" She is a graduate of the Marymount College, New York and earned a Bachelor of Arts in English/Journalism."
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Health Insurance Fraud, 2002.
An examination of government efforts to curb Medicare and Medicaid insurance fraud.
7,463 words (approx. 29.9 pages), 21 sources, APA, $ 164.95
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Abstract
This paper critically evaluates the statutes purposely passed to tackle Medicare and Medicaid insurance fraud. It evaluates the fundamentals, penalties, defenses, and safe harbor provisions for each and every statute, and concludes with a discussion of accessible legal safe harbor provisions. It discusses the wide-ranging federal statutes employed to impeach health care fraud, together with the False Claims, False Statements, and Mail and Wire Fraud Acts and explains the basics of the offenses, accessible defenses, and penalties valid under each statute. It also gives an indication of federal and state government agencies' pains to examine and take legal action against health care fraud.
Outline
Introduction
Statutes and Provisions Specifically Enacted to Address Medicare and Medicaid Fraud
Sale of Physician Practices, Practitioner Recruitment and Obstetrical Malpractice Insurance Subsidies
Contracts for Space, Equipment, Personal Services and Employment
Advertisements and Promotions
Referral Services
Relationships Between Providers
Arrangements Between Providers and Health Plans
Relationships Between Providers and Suppliers
Prosecuting Health Care Fraud with General Federal Statutes
Conclusion
From the Paper
"Individuals and organizations licensed by Department of Health and Human Services ("HHS") to accept imbursement under the Social Security Act may focus on Medicare and Medicaid fraud examinations (7). Persons, as well as organizations comprise nursing and rehabilitation centers, hospitals, Health Maintenance Organizations ("HMOs"), intermediate carriers for example private and public clinics, private insurance companies, durable medical equipment ("DME") providers, medical laboratories, physician practice groups, physicians, as well as other certified health care organizations (7)."
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