Criminal Law Chapter 15 Version Victims Identify Themselves And Use Credit

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Student name:__________

1) Give two definitions of white-collar crime.

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2) List at least eight ways identity thieves can get a victim’s personal information.

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3) Describe smurfing and shoulder surfing.

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4) After identity theft is committed, follow-on crimes occur. Identify five types of follow-on

crimes.

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5) What are upcoding and unbundling charges used for?

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6) How are bank examiner and pigeon-drop cons run?

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7) What are pump and dump schemes?

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8) How are prime bank and promissory note frauds operated?

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9) Identify and discuss two telephone/pager scams.

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10) The missing person fraud is cruel. How is it run?

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11) The “_________blank scam” is an email extortion scam in which an emailer claims to

have been sent to assassinate a victim, but the victim would be spared if they wire money

overseas.

11) ______

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12) Rummaging through the victims’ trash, or the trash of businesses, to “mine” for personal

data is a practice described as_________blank.

12) ______

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13) _________blank is when a person fakes an injury, accident, theft, arson, or other loss to

illegally collect from an insurance company.

13) ______

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14) _________blank accidents are exactly that: no accident has occurred and collusion is

required by a body shop operator, who may even provide a wrecked car for the adjuster to

inspect.

14) ______

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15) An act was passed in 2006 by Congress, essentially making all forms of gambling via the

_________blank illegal.

15) ______

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16) _________blank is what Nigerian cons call the black money scheme, which is also an

advanced fee scam.

16) ______

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17) Money laundering involves three distinct steps: placement,_________blank, and

integration.

17) ______

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18) _________blank is the illegal practice of filtering “dirty” money or ill-gotten gains

through a series of transactions until the money is “clean,” appearing to be proceeds from legal

activities.

18) ______

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19) In the context of money laundering,_________blank involves converting the funds

placed into other assets or moving them to other financial institutions, the purpose of which is to

further distance the funds from their illegal source.

19) ______

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20) In reference to money laundering, in_________blank, the illegal funds that have been

placed and layered are now clean and are virtually indistinguishable from wholly legal money

and are then used to buy luxury items or to invest in legitimate businesses.

20) ______

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21) A(n)_________blank is essentially a short-term written I.O.U. that promises to pay its

holder, the investor, the fixed amount invested plus a fixed amount of interest at some specified

date in the future.

21) ______

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22) Unrelated to telemarketing fraud are three scams related to_________blank, such as 1-

900 and foreign exchange numbers, and cramming.

22) ______

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23) The practice of placing unauthorized, misleading, inaccurate, or deceptive charges on the

victims’ telephone bills, which may be accidental but is often intentional, is

called_________blank.

23) ______

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24) Which of the following is an example of tangible personal property?

24) ______

A) jewelry

B) stocks

C) bonds

D) copyrights

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25) The primary federal agency responsible for investigating counterfeiting is the

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25) ______

A) Federal Bureau of Investigation (FBI).

B) Secret Service.

C) Drug Enforcement Administration (DEA).

D) Central Intelligence Agency (CIA).

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26) The removal of a price sticker from one item for sale and replacing it with a less

expensive sticker is an example of

26) ______

A) theft by trick.

B) theft of services.

C) theft by fraud.

D) theft by deception.

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27) The unauthorized use of another’s credit card, using someone else’s medical insurance

card or Social Security number to get benefits are examples of

27) ______

A) theft by fraud.

B) theft of services.

C) theft by trick.

D) theft by receiving stolen property.

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28) Which of the following terms refers to the problem of significant losses to retailers

caused by crews or rings of often mobile professional shoplifters?

28) ______

A) organized retail theft (ORT)

B) organized retail thrill seekers (ORTS)

C) organized retail crime (ORC)

D) organized gypsy gangs (OGG)

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29) In the context of shoplifters, which of the following groups represents the majority of

shoplifters?

29) ______

A) kleptomaniacs

B) amateurs

C) professionals

D) drug addicts

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30) In the context of the five categories of shoplifters, identify a true statement about

kleptomaniacs.

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30) ______

A) They usually steal merchandise in order to return it for cash, or sell it to a “fence.”

B) They often steal to exist and may be under the influence of alcohol.

C) They have a psychological compulsion to steal.

D) They generally take food items, alcoholic beverages, or clothing needed for personal

use.

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31) There are five types of shoplifters. Which of the following isnot one of those types?

31) ______

A) kleptomaniac

B) thrill seekers

C) amateurs

D) vagrant

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32) Which of the following is referred to as the “crime of the new millennium”?

32) ______

A) identity theft

B) terrorism

C) organized crime

D) shoplifting

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33) Scamming victims out of personal information on the Internet is accomplished by a

technique known as

33) ______

A) smurfing.

B) shoulder surfing.

C) skimming.

D) phishing.

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34) Once armed with enough stolen personal identification data, the process of identity theft

is executed and follow-on crimes are committed. In this context, which of the following terms

refers to the practice of the thief calling credit card companies, asking them to change the

address “your” bill is mailed to and quickly running up charges on accounts?

34) ______

A) cramming

B) phishing

C) account takeover

D) affinity fraud

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35) Which of the following isnot one of the three most common ways identity thieves obtain

personal information?

35) ______

A) stolen wallet

B) friends or relatives with access to the information

C) corrupt employees with access to the information

D) pickpockets

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36) According to your textbook, which of the following may be the fastest growing sector of

credit card fraud?

36) ______

A) Asian gangs who obtain credit cards in your name and run up bills rapidly and leave

the area

B) counterfeiting of credit cards

C) terrorist organizations that use credit card fraud to finance their operations

D) individuals who are unable to keep up with monthly payments on their credit cards

and have to file bankruptcy, requiring other holders to make up the loss to the companies

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37) A person who opens accounts at several banks, knowingly, issues a check that overdraws

their account at bank 1, and then deposits a check in that account from their bank 2 account to

cover the first worthless check is a

37) ______

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A) thief.

B) check floater.

C) check kiter.

D) check forger.

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38) There are approximately 70,000 charities. Unfortunately, a very small number are frauds

and create problems for legitimate charities. Which of the following isnot one of the problems

related to bogus charities as cited in the textbook?

38) ______

A) People are scammed out of their money.

B) Public confidence in charities is undermined, making it harder for legitimate charities

to raise funds for important causes.

C) People who donate to bogus charities run the risk of being in violation of the law.

D) People do not get a tax deduction.

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39) In the context of insurance fraud, which of the following statements is true of soft fraud?

39) ______

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A) It is when someone deliberately fakes an injury, accident, theft, arson, or other loss to

illegally collect from insurance companies.

B) It involves normally honest people who tell “little white lies” to collect

reimbursements to which they are not entitled.

C) It involves billing for services that were never rendered.

D) It is when insurance companies declare bankruptcy when faced with a flood of claims

they cannot pay following a natural disaster.

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40) Which of the following is a staged automobile accident with fraudulent intent?

40) ______

A) scooping

B) sudden impact

C) swoop and squat

D) bang-bang

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41) An employee who fraudulently claims that they were injured on the job would be

committing

41) ______

A) identity theft.

B) employer fraud.

C) workers compensation fraud.

D) employee larceny.

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42) The_________blank begins with a potential victim getting an unsolicited fax, email, or

letter that purports to be from a current or former Nigerian governmental official or a relative of

such.

42) ______

A) pigeon drop scheme

B) Nigerian National Petroleum Corporation scam

C) economic stimulus scam

D) Nigerian advanced fee scam

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43) Why do criminals want to launder money?

43) ______

A) to avoid prosecution

B) to increase their profits

C) to appear legitimate

D) All of these answers are correct.

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44) Money laundering involves three distinct steps: layering, integration,

and_________blank.

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44) ______

A) displacement

B) placement

C) disintegration

D) initiation

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45) Placement is often done by_________blank, or making multiple deposits of cash, or

buying multiple bank drafts, which are checks issued by one bank against funds deposited in the

bank that authorize a second bank to make payment to the entity named in the draft.

45) ______

A) smurfing

B) shoulder smurfing

C) check kiting

D) a type of black market peso exchange

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46) Any manipulation or deception that affects the purchase or sale of a security and usually

includes the misrepresentation or omission of significant information is

46) ______

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A) integration.

B) layering.

C) securities fraud.

D) a confidence game.

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47) A process that involves the touting of a company’s stock through false and misleading

statements to the marketplace often by using the Internet with the intent of driving up the price of

the stock is called a(n)

47) ______

A) pump and dump scheme.

B) pump and jump scheme.

C) affinity fraud.

D) account takeover.

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48) A process that was developed in the 1980s, in part to help dying AIDS patients pay their

bills and was later extended to others, especially the elderly, is known as

48) ______

A) prime bank note.

B) cramming.

C) viatical settlements.

D) major fraud.

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49) The practice of placing unauthorized, misleading, inaccurate, or deceptive charges on the

victims’ phone bills is an example of

49) ______

A) a prime bank note.

B) cramming.

C) viatical settlements.

D) major fraud.

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50) Which of the following isnot one of the top 10 telemarketing scams?

50) ______

A) prizes or sweepstakes

B) credit card offers

C) scholarship or educational grants

D) employment in Europe offers

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51) Tangible personal property means things that have both a physical existence that can be

touched and intrinsic value, whereas intangible property has value, but is more abstract.

51) ______

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⊚ true

⊚ false

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52) The U.S. Department of Justice defines blue-collar crime as nonviolent, illegal activities

that rely on deceit, deception, concealment, manipulation, and breach of trust, subterfuge, or

illegal circumvention.

52) ______

⊚ true

⊚ false

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53) The elements of embezzlement are the same as the traditional larceny charge, with the

addition that a person who has been entrusted with something valuable converts it to their own

purpose or use in contravention of their legal obligation.

53) ______

⊚ true

⊚ false

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54) Organized retail theft (ORT) has emerged as the broader term and includes not only

professional shoplifters but also other associated problems: theft from merchandise distribution

centers, truck hijacking, credit card fraud, counterfeit goods, and the fences and other outlets for

stolen merchandise.

54) ______

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⊚ true

⊚ false

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55) A kleptomaniac often steals to exist and may be under the influence of alcohol.

55) ______

⊚ true

⊚ false

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56) Amateur shoplifters operate in a very smooth manner and are the most difficult to detect.

56) ______

⊚ true

⊚ false

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57) Identity theft, which began to emerge as a problem in the 1990s, has been called the

“crime of the new millennium.”

57) ______

⊚ true

⊚ false

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58) Skimmers are pager-sized data collection devices that cost roughly $300 and are placed

in locations where they can observe victims identify themselves and use credit cards or write

checks and/or punch in their long-distance calling card numbers.

58) ______

⊚ true

⊚ false

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59) Most identity thefts and the follow-up crimes come to light only one to six months after

they begin.

59) ______

⊚ true

⊚ false

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60) Check fraud is the forgery, alteration, counterfeiting, or knowing issuance of a check on

an account that is closed or has insufficient funds to cover the amount for which the check is

written.

60) ______

⊚ true

⊚ false

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61) There are approximately 70,000 charities. Unfortunately, a very small number are frauds

and create two types of problems: people are scammed out of their money and do not get a tax

refund, and secondly, public confidence in charities is undermined, making it harder for

legitimate charities to raise funds for important causes.

61) ______

⊚ true

⊚ false

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62) “Unbundling charges” is the practice of using billing codes for more expensive tests or

longer office visits than actually occurred.

62) ______

⊚ true

⊚ false

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Answer Key

Test name: chapter 15

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